Long Term Disability Qualifications

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Depending on where you are in the claims process, Sokolove Law is here to help. If you have filed a claim and have already received a denial you believe to be unjust, we offer a free, legal consultation to help determine whether you have a case against your insurer.

Learn more by following the links to your left.

Filing a Disability Insurance Claim: Qualifying Medical Conditions

Most people think that long term disability insurance is for people who have been physically injured in an accident and unable to work as a result of their injury. While this is true, it’s important to know that there are many medical conditions which may entitle you to receive disability payments from your insurer. These include chronic illnesses, neurological disorders, and certain degenerative diseases.

Some of the medical conditions that may qualify you for long term disability benefits include, but are not limited to:

  • Cancer
  • Bi-polar Disorder
  • Crohn’s Disease
  • Chronic Fatigue Syndrome
  • Degenerative Disc Disease
  • Fibromyalgia
  • HIV/AIDS
  • Lupus
  • Multiple Sclerosis

Remember, it’s the insurance company’s job to prove that you do not qualify for long term disability benefits under the terms of your policy. You can be confident that they will ask for every last detail of your condition, including lab tests, medical records and other documentation. Your insurer may even try to deny your long term disability claim by misclassifying your illness – for example, they may insist that your disability is a psychological condition when it is really a chronic disease.

The above list of medical conditions is not exhaustive, and these conditions differ from policy to policy. Before filing a long term disability claim, it’s important to understand how your insurance company defines a disability. This information can be found by carefully reading your policy. You can also learn more about the types of policies and various conditions that may be covered under disability insurance by downloading our free booklet, Taking Control: Your Guide to Fighting Disability Insurance Denial.

Why Hire a Long Term Disability Insurance Attorney?

When confronted with the confusing long term disability insurance claims process, many consumers feel defeated because of the time and effort necessary for making the insurance company pay out. Don’t risk losing your appeal on a technicality or by not having the right information available.

Working with a long term disability claims attorney to advise you and handle your claim gives you peace of mind, making the process easier on you during this difficult time.

Get a Free, No-Obligation Case Evaluation

If your disability claim has been denied, but you feel that you still qualify for benefits, don’t take “no” for an answer. Contact us for a free, no-obligation evaluation of your case. Our experienced case managers will listen to the facts of your claim, address your concerns, and help you take the next step in recovering the benefits you may be entitled to. Submit a form to have one of our case managers contact you for a FREE case consultation or call us today.