Those who have HIV/AIDS know how difficult day-to-day life can be. People dealing with HIV often suffer from mouth ulcers, severe aches and pains, fevers, chills, and more. If you have AIDS, symptoms are even worse, including rapid weight loss, extreme fatigue, painful mouth sores, and even certain mental health conditions. Rather obviously, these diseases are capable of preventing individuals from returning to work. If you are in this situation and you require long term disability benefits, please read on and reach out to our firm to learn more about how we can help you.
Long term disability insurance is designed to help individuals who are incapable of returning to work due to a serious, long-term medical condition. If you are granted long term disability benefits, you will either receive one lump-sum payment, or monthly insurance payments.
To qualify for long term disability benefits with HIV/AIDS, you will have to prove that your condition will either last at least one year, or end in death, and it must be serious enough to prevent you from doing “substantial gainful work.” In your claim, you must submit various forms of evidence proving your condition prevents you from returning to work including MRIs, doctor’s notes detailing the severity of your medical condition, x-rays, and more.
Generally, after your file for long term disability, you must go through the elimination period, which generally lasts anywhere from 30 to 90 days. Though generally, if approved, you will receive your benefits in 90 days, there are times where you will have to wait up to a year, and if you need your benefits now, this is not feasible. Our firm will do everything in our power to ensure you receive your benefits as soon as possible.
Fortunately, with the help of an experienced attorney, there is a very good chance you fight the insurance company’s denial of your claim. An attorney will file an appeal within 180 days of your being denied, gathering more relevant information to prove that you truly need the benefits. Though this appeal may also get denied, there are additional actions a knowledgeable and aggressive long term disability attorney may take to ensure you are covered. Our firm is ready to help you.
If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.
Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.