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What is the Long Term Disability Claims Process Like?

If you are someone who has developed a medical condition that is preventing you from continuing your career in the workforce, there is a very good chance that you are now looking into obtaining long term disability benefits. Unfortunately, claiming disability is not enough to receive the benefits you need. There is a long, often complicated process to follow, which is why you must proceed with the services of an experienced nationwide long term disability attorney. Please continue reading and reach out to our knowledgeable firm to learn more about the LTD process. Here are some of the questions you may have:

How do I know if my medical condition will qualify for long term disability benefits?

For a medical condition to qualify for long term disability benefits, the person with the condition, along with their attorney, must prove that the medical condition significantly impacts their life, thereby preventing them from returning to work. This is not always easy, which is why anyone seeking LTD benefits must not proceed without a knowledgeable attorney on their side. Some of the most common medical conditions that have qualified in the past are as follows:

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

What is the long term disability claims process like?

First, you will have to speak with your insurer or employer to learn more about your policy. From here, you will have to file your claim within 180 days. Our firm can ensure that you meet all of the necessary deadlines. Prior to following, our legal team will help ensure you fill out all forms correctly and that you provide all of the necessary medical documentation, doctor’s notes, etc. to prove that you are truly unable to return to work for the foreseeable future. In most cases, after a long term disability claim has been approved, the individual should receive his or her benefits within 90 days. Sometimes, it does take longer. When you receive your benefits, you will either receive one lump-sum payment or monthly insurance payments. For any additional questions, or if you are ready to get started, please do not hesitate to give us a call today. We are on your side, and we are prepared to fight for the benefits you truly deserve.

Contact our experienced nationwide firm

If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, speak with our nationwide LTD attorneys today. Our firm has significant experience helping people just like you obtain or defend their long term disability benefits. Contact Walker & Hern for a free consultation.

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