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

There are few things more frightening than developing a medical condition that affects your daily life, thereby preventing you from returning to work. Unfortunately, this is something that happens to a large portion of Americans, and if you are one of them, you are most likely wondering whether you will qualify for long term disability benefits. These benefits are a fantastic way for individuals with serious medical conditions to maintain their standard of living even after they are no longer capable of working for a paycheck. Please continue reading and speak with our experienced nationwide long term disability attorneys to learn more about the long term disability claims process and how our firm can help you through every step of the way. Here are some of the questions you may have:

What medical conditions qualify for long term disability benefits?

Fortunately, there are several medical conditions that often qualify for long term disability benefits. In fact, these medical conditions are not limited to physical ones; many individuals with serious mental medical conditions can also seek long term disability insurance as well. Some of the medical conditions that qualify for long term disability benefits are as follows:

  • Mental health issues, such as depression, anxiety and panic disorders, bipolar disorder, OCD, and more.
  • Rheumatoid arthritis 
  • Osteoarthritis
  • Fibromyalgia and chronic pain
  • Neurological disorders
  • Autoimmune diseases
  • Cancer
  • Lyme disease
  • Lupus
  • Serious back injuries
  • Multiple sclerosis
  • Parkinson’s Disease
  • Hearing loss or deafness
  • Vision loss or blindness

That being said, before filing your LTD claim, you must ensure that you retain the services of an attorney who can work to prove that you truly qualify. Our firm is here to help.

How do I file a long-term disability claim?

There are several steps that you must follow when filing a long term disability claim, though a condensed version of the LTD claims process is as follows:

  1. First, you must speak either with your insurer or your employer to get a better understanding of your insurance policy.
  2. From here, you will have to file your claim within 180 days. It is critical that you do not miss a single deadline when going through the LTD claims process. Our firm can ensure that this does not happen.
  3. From here, our firm will have to build your case. We will begin collecting various medical documentation on your behalf, including x-rays, MRIs, and, perhaps most importantly, doctors’ notes. These notes should clearly illustrate exactly what is wrong and how your medical condition affects your life and prevents you from returning to work either permanently or for the foreseeable future.
  4. Once we file your claim and it is approved, you should either receive one lump-sum payment or monthly insurance payments.

If you are ready to get started, give us a call. We are ready to help.

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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