Does Depression Qualify for Long Term Disability?

Mental health is one of our nation’s greatest concerns, which is why if you are someone who struggles with chronic depression, you may feel its debilitating effects daily. This is something nobody should have to endure, and while you may try to shake it off, sometimes it feels relief couldn’t be farther away. While you must seek the help you need to get you back on track to a happy, healthy life, you may also apply for long term disability insurance if you feel you can no longer productively work because of your depression. Those who struggle with depression are prone to anxiety, guilt, mood swings, lack of concentration, fatigue, insomnia, poor appetite, and obsessive thoughts. It is clear why someone with depression may not feel capable of working. However, insurance companies do not always see it this way. A long term disability claim for depression may be harder to prove, so you must hire an experienced attorney and read on to learn more about the compensation of which you may be entitled.

What is the function of long term disability insurance?

Essentially, when you file a long term disability insurance claim, it means you are seeking financial help for a significant amount of time due to a medical condition that prevents you from returning to work. When your claim is approved, you will either receive one lump sum or monthly payments from your insurance company. Additionally, insurance companies are not always looking out for your best interest, as they are a business, and their goal is to make money. This is why you must hire an experienced attorney who will have your back every step of the way.

How do I file a long term disability insurance claim?

First, you will have to speak with your insurer or employer to learn about your individual policy. Next, you will file your claim, including doctor’s opinions, medical records, MRI results, family medical history, and more. Your attorney will ensure your doctor provides a report sufficiently detailing your medical condition and how it affects your daily life. 

What additional medical conditions may qualify for long term disability insurance?

Several medical conditions have qualified for long term disability insurance in the past, including, though not limited to:

  • Lyme disease
  • Autoimmune disease
  • Multiple sclerosis
  • Digestive tract problems
  • Kidney disease
  • Cancer
  • Vision loss or blindness
  • Hearing loss or deafness
  • Osteoarthritis 
  • Rheumatoid arthritis
  • Serious back injuries
  • Parkinson’s Disease
  • Musculoskeletal disorders
  • Cardiovascular conditions
  • Neurological disorders
  • Lupus

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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