Do I Qualify for Long Term Disability Insurance if I Have Cancer?

If you have been diagnosed with cancer and find yourself unable to work, you are most likely seeking the long term disability benefits you need. These benefits may help you cover your treatments, medical bills, and the cost of any other professional care you may need. If you find yourself in this position, one of the most important things you can do is hire an experienced attorney who will fight for the benefits you deserve. Here are some of the questions you may have:

What are the benefits of long term disability insurance?

When your claim is approved, you may either receive one lump sum or monthly payments from your long term disability insurance. An attorney may help you decide which option is best suited for your specific situation. Insurance companies may try and deny you of your benefits, no matter how badly you need them. These benefits may help limit the financial damage of your condition, so hire an attorney who knows the ins and outs of the LTD process in order to boost your chances of receiving the benefits you need. 

What are some of the conditions that qualify for long term disability insurance?

Cancer is one of the toughest battles a man or woman has to fight. Nobody should have to fight it alone. Fortunately, if you have cancer, you should qualify for long term disability insurance. Here are some additional conditions that may qualify:

  • Blindness
  • Deafness
  • Mental health issues
  • Serious back injuries
  • Neurological disorders
  • Rheumatoid arthritis
  • Fibromyalgia and chronic pain
  • Osteoarthritis 

How do I file a claim for long term disability insurance?

The first thing you should do when filing a claim is to speak with your employer or insurer to get a better understanding of your policy. From here, you must file your claim within 180 days. It is imperative that you include all your medical records and doctor’s opinions in your claim. Hospital records, doctor’s notes, MRI results, x-rays and more will all help prove that you are legitimately in need of long term disability insurance. In addition, your doctor should draft a detailed report discussing the extent of your disability and how it affects your daily life. Your doctor should also include your medical history as well. If your doctor writes a letter that clearly details your daily pain, you increase your chances of receiving long term disability insurance. 

Contact our experienced firm

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.

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