Asthma, though relatively common, is a very serious respiratory condition that makes it extremely hard for certain individuals to get around, let alone go to work. Those who suffer from asthma typically deal with chest tightness, coughing, shortness of breath, recurrent wheezing, and more. If you find yourself unable to return to work, you may be looking into receiving long term disability benefits. However, to get them, you will have to prove that you have been both clinically diagnosed with asthma and that your condition is severe enough to prevent you from returning to work. If you believe you meet these qualifications, please read on and reach out to our firm to learn more about how we can help.
What is the function of long term disability insurance?
Long term disability insurance is here to provide those unable to return to work with the monetary benefits they need to upkeep their standard of life. Those granted LTD benefits will either receive monthly insurance payments, or one lump-sum payment. If you think you may be entitled to these benefits, you must continue reading.
How can I receive long term disability?
The first thing you have to do is speak either with your employer or your insurer. From here, you must file a claim within 180 days. In your claim, you will have to include various types of information and proof that you truly need long term disability benefits, including MRIs, x-rays, and doctor’s notes that explain how your disability affects your daily life, thereby preventing you from returning to work for an extended period of time, or indefinitely.
How long does long term disability insurance last?
Long term disability insurance generally continues for years into the future. Long term disability insurance will only discontinue if you reach the age of 65, are able to return to work once again, or you reach your retirement age under Social Security. To learn more about long term disability insurance and how to get it, simply reach out to our experienced firm. We are ready to help.
What other conditions qualify for long term disability insurance?
- Parkinson’s Disease
- Musculoskeletal disorders
- Multiple sclerosis
- Neurological disorders
- Vision loss or blindness
- Hearing loss or deafness
- Cardiovascular conditions
- Respiratory illnesses, such as COPD or asthma
- Digestive tract problems
- Kidney disease
- Mental health issues, such as depression, anxiety, and panic disorders
- Rheumatoid arthritis
- Serious back injuries
- Lyme disease
- Autoimmune disease
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.