Filing Your Long Term Disability Claim | What You Need to Know

If you are someone who has recently developed a medical condition or were injured and you are no longer capable of returning to work, there is a very good chance that you are now looking into receiving long term disability benefits. While these benefits are a fantastic tool to help those who need it, they are oftentimes difficult to recover. For this very reason, you must continue reading and speak with our knowledgeable LTD attorneys to learn more about the long term disability process and how we can help you file your claim. Here are some of the questions you may have:

How do I know if I qualify for long term disability benefits?

To qualify for long term disability benefits, you will have to gather various forms of documentation and evidence to prove that you, indeed, have a serious medical condition that prevents you from working any longer. There is a wide array of conditions that may qualify for long term disability benefits. These medical conditions can range from physical to mental. Some conditions that may qualify for LTD benefits are as follows:

  • Lupus
  • Serious back injuries
  • Vision loss or blindness
  • Parkinson’s Disease
  • Depression
  • Anxiety
  • Schizophrenia
  • Cancer
  • Autoimmune diseases
  • Fibromyalgia and chronic pain
  • Neurological disorders
  • Rheumatoid arthritis
  • Osteoarthritis
  • Lyme disease

How do I file my long term disability claim?

To start, you must talk with either your insurer or your employer to learn more about your policy and whether you may or may not qualify. You will then file your disability claim within 180 days. Missing deadlines oftentimes has a drastic effect on disability claims, so you must ensure you do everything timely. From here, you and your attorney will have to gather several documents regarding your medical condition. Some of these documents can include MRIs, x-rays, doctor’s notes, medical history, and more. Obtaining a solid doctor’s note is one of the most important aspects of receiving long term disability benefits, which is why you need your doctor to detail exactly what is wrong, and how that condition affects your daily life and prevents you from returning to work for the foreseeable future. As long as your claim is approved, you should receive your LTD payment within 90 days. If you have any additional questions, please do not hesitate to give us a call. We are always here to help–all you have to do is ask.

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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