Few diseases are as frightening or formidable as cancer. It is an utterly ruthless invisible enemy. Cancer ravages not only your body but threatens the well-being of your family. If you’ve been diagnosed with cancer and are worried about your family’s financial security, please read on, then contact one of our experienced long term disability insurance attorneys to learn whether you can get long term disability benefits if you have cancer.
Can you get long term disability benefits if you have cancer?
Yes. In fact, long term disability benefits are typically available to employees who have received a cancer diagnosis. However, many long term disability cancer benefit claims are denied. Your approval or disapproval depends on the specifications of your long term disability policy and the severity of your illness.
How do you qualify for long term disability benefits if you have cancer?
Your long term disability benefits for cancer will depend on how your doctor has classified your cancer, i.e. which stages it has reached. Doctors determine the stage based on the size of the tumor and to what extent it has spread throughout your body. Stage 1 cancer, in which the cancer is confined to a single part of the body, is very rarely the basis for a successful long term disability claim. If the cancer is growing but still localized or has spread only to nearby lymph nodes, you have reached Stage 2. Stage 3 is when it spreads to farther lymph nodes. If cancer has metastasized beyond the regional lymph nodes, you have entered Stage 4. Successful long term disability benefit claims usually arise from Stage 2 and beyond, particularly if you exhibit certain symptoms or are receiving specific treatments.
What conditions qualify you for long term disability benefits?
To qualify for long term disability benefits when you have cancer, you must have one or more of the following symptoms:
- Heart problems
- Respiratory issues
- Nerve damage
- Muscle weakness
Aside from cancer itself, these conditions can also stem from the treatments. The removal of cancerous skin lesions doesn’t usually meet the criteria for long term disability benefits, because it requires little to no time for recuperation. The side effects of harsher treatments like chemotherapy or radiation have been known to prevent people from working. If you don’t know where you stand, reach out to one of our skilled nationwide long term disability insurance attorneys. We will discuss the specifics of your case and how we can help you.
Contact our experienced nationwide firm
If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, speak with our nationwide LTD attorneys today. Our firm has significant experience helping people just like you obtain or defend their long term disability benefits. Additionally, if your claim for long term disability benefits has been denied or terminated, contact Walker & Hern for a free consultation.