How do I File a Long Term Disability Claim?

There are few things more disconcerting for a person and their family than developing a medical condition or injury that prevents them from returning to work. Fortunately, long term disability insurance is designed to help those people, however, you cannot expect your insurance company to give you those benefits without putting up a fight. That’s where we come in. If you are looking to receive long term disability insurance, you must read on and reach out to our experienced LTD attorneys to learn more about how we can help you file your claim.

What medical conditions qualify for long term disability benefits?

If you are someone with a serious medical condition, you are most likely wondering if that medical condition qualifies for disability benefits. Fortunately, various medical conditions do qualify, however, you will need an experienced attorney on your side who can effectively gather and submit evidence proving that you truly need those benefits. Some of the conditions that generally qualify for long term disability benefits are as follows:

  • Rheumatoid arthritis
  • Osteoarthritis
  • Lyme disease
  • Lupus
  • Serious back injuries
  • Vision loss or blindness
  • Autoimmune diseases
  • Fibromyalgia and chronic pain
  • Neurological disorders
  • Parkinson’s Disease
  • Mental health issues. Including depression, anxiety and panic disorders
  • Cancer

How do I file for long term disability?

The first thing you must do is speak with your employer or insurer to get a better understanding of your policy and all it entails. Once you do, you must file your claim within 180 days and ensure you never miss a deadline throughout every step of the process. If you do, your insurance company will have a far better shot at denying you the benefits you truly need.

Before filing, you must gather various forms of evidence that demonstrate how your medical condition affects your daily life, thereby preventing you from returning to work. Depending on your condition, some of the most useful types of evidence can include x-rays. MRIs, and especially doctor’s notes. Our firm will help ensure you obtain a doctor’s note stating exactly how your medical condition inhibits your ability to work severely enough that you may not return for the foreseeable future. When your claim is approved, you will receive long term disability benefits (generally) within 90 days. These benefits can come in the form of either one lump-sum payment or monthly insurance payments. Our firm is here to help you–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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