Will I Qualify For Long Term Disability Insurance if I Have Fibromyalgia?

Fibromyalgia is a disorder that causes widespread musculoskeletal pain, as well as sleep, memory and mood issues. It is generally accepted that fibromyalgia amplifies the way your brain perceives physical pain. These symptoms can sometimes follow physical trauma, a surgery, an infection, or even significant psychological stress. In some cases, symptoms will gradually worsen over time, and there is no apparent single triggering event. People with fibromyalgia very often also combat tension headaches, irritable bowel syndrome, anxiety, and depression. 

The pain and lack of sleep generally associated with fibromyalgia has an impact on most people’s work, and even home life. For this reason, it is no secret why someone with fibromyalgia would be looking into long term disability insurance. If you have been struggling with fibromyalgia, keep your chin up–there is a very good chance you can receive the LTD insurance that you need to be at peace financially. If this sounds like good news to you, read on to find out more about your options.

How will long term disability insurance help me?

If your claim is approved, you may either receive one lump sum or monthly payments from your insurance company. However, insurance companies may try and deny you of your much-needed benefits, so you must hire an experienced long term disability attorney before filing your claim.

How do I file my claim?

Before filing your long term disability insurance claim, you must immediately speak with your employer or insurer to understand your policy. You must then file your claim within 180 days. When you file your claim, you should include doctor’s opinions, medical records, MRI results, and more. Your doctor should stress exactly how you are impacted by your medical condition daily, making it clear to insurance companies that you are unable to return to work. An attorney can help ensure you provide all the documentation you need to prove your claim and receive the long term disability insurance you deserve.

What are some additional conditions that may qualify for long term disability insurance?

Several other medical conditions may qualify for long term disability insurance, such as:

  • Parkinson’s Disease
  • Musculoskeletal disorders
  • Cardiovascular conditions
  • Respiratory illnesses, such as COPD or asthma
  • Digestive tract problems
  • Kidney disease
  • Mental health issues, such as depression, anxiety, and panic disorders
  • Rheumatoid arthritis
  • Serious back injuries
  • Lyme disease
  • Autoimmune disease
  • Multiple sclerosis
  • Neurological disorders
  • Lupus
  • Cancer
  • Vision loss or blindness
  • Hearing loss or deafness
  • Osteoarthritis 

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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