When an individual becomes disabled in the United States, they may become overwhelmed by bills from medical assistance that is supposed to help them. If the individual’s disability prevents them from going back to work, these bills can pile up and become difficult to pay due to their lack of income. It is because of this that long term disability benefits may be pursued. Long term disability is insurance for those who become seriously ill or injured and cannot return to work. These benefits can help to cover these medical bills and lost wages to relieve some of these financial burdens. It is important to enlist an experienced attorney when seeking long term disability, as some insurance companies may undermine individuals and not provide them with the correct settlement.
Do I Have a Claim?
When a person becomes disabled, they often wonder if their disability qualifies them to receive insurance benefits. Disabilities can be a result of either an injury or an illness. There are numerous conditions that may qualify an individual to receive long term disability benefits. This may include but is not limited to:
- Lyme disease
- Parkinson’s disease
- Neurological disorders
- Multiple Sclerosis
- Rheumatoid Arthritis
- Autoimmune diseases
- Mental health issues (depression, anxiety, panic disorders)
- Fibromyalgia and chronic pain
- Serious back injuries
- Vision loss or blindness
- Hearing loss or deafness
Filing a Claim
When a person wants to file a long term disability claim, it is crucial that they speak with their employer or insurance company to understand their policy. In order to file a claim, it must be done so within 180 days. There are certain preparations that go in hand with filing a claim. This includes collecting all medical records and doctor’s opinions regarding the disability to prove the individual is really in pain and disabled. This should also include hospital records, doctor’s notes, MRI results, X-rays, and other medical documentation.
In addition to this, they should receive a detailed report regarding their medical history and their current issue from their doctor. This report should consist of a description of the individual’s condition and the pain they are experiencing. The inclusion of these documents can assist the individual to make sure their claim is not denied by the insurance company. In the event that a claim is denied, it is important for the individual to have legal counsel to appeal the decision and fight on their behalf.
Contact our 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.