Medical Eligibility for Long-Term Disability Claims

For many professionals, a disabling chronic illness brings more than just physical symptoms—it upends your career, your routines, and your sense of identity. You’ve spent years building your professional life, only to be sidelined by a medical condition that makes full-time work impossible. When you file a claim for long-term disability (LTD) …

Long-term disability claims for neuromuscular disorders can be complex and overwhelming. Navigating the process requires a clear understanding of the intricacies involved. From the initial application to potential appeals, each step demands attention to detail. This blog post will provide valuable insights to help you understand and navigate …

Long-term disability claims often involve soft tissue disorders, such as back pain, fibromyalgia, and chronic fatigue syndrome. In this blog post, we will delve into long-term disability claims for soft tissue disorders and the specific challenges and policy limitations associated with these claims. With this knowledge, claimants can navigate …

Chronic fatigue conditions are increasingly recognized for impacting a person’s ability to work and perform daily tasks. In many cases, sufferers of these conditions may need to resort to long-term disability (LTD) insurance. Unfortunately, the path to accessing these benefits is not always straightforward, with claimants often facing …

Chemical and environmental sensitivities (CES) can lead to a wide array of disabling symptoms. In severe cases, these sensitivities can profoundly impact a person’s ability to work and complete regular life activities. When symptoms impact a person’s ability to perform their occupation, pursuing disability benefits is essential, …

Disability insurance can be a crucial lifeline for individuals who cannot work due to severe health conditions. One of the common health issues that lead to long-term disability claims is musculoskeletal disorders (MSDs). The impairments caused by these conditions are real and can significantly impact the ability to work. However, individuals …

One of the most commonly requested documents by disability insurance carriers is an Attending Physician Statement (APS). Attending Physician Statement forms are provided by your insurance company to be completed by your doctor(s). The medical information your doctor provides on the Attending Physician Statement could make or break your claim. If …

When it comes to long-term disability insurance, it’s important to understand the difference between total and residual disability. These two concepts can significantly impact your insurance benefits and coverage. In this article, we’ll take a closer look at what each term means and how they affect your insurance policy. What Is Total …

If you’re unable to work due to a disabling condition, you may be eligible for long-term disability (LTD) benefits. However, obtaining these benefits is often a complex and challenging process. One of the key factors that can affect your chances of getting approved for long-term disability benefits is the medical evidence that you submit with …

Your functional limitations are the most critical evidence for your long-term disability claim. Your insurance company is interested in how your disability affects your ability to work. The insurance claim examiner (and a judge if your claim goes to court) will look for you to provide detailed doctor’s notes on activity limitations. This …

When applying for long-term disability benefits, your credibility can be the linchpin of your case. Insurers scrutinize every detail, from medical records to personal statements, to ensure that claims are legitimate. Establishing and maintaining your credibility throughout the application process is crucial for securing the benefits you deserve. In …

What – or who – is a treating physician? A treating physician is a medical doctor who provides medical treatment for you and has or has had an ongoing relationship with you. There must be a history of treatment between the medical provider and the patient for the medical provider to be considered a treating …

If you avoid following your doctor’s treatment plan as prescribed (like refusing to have surgery), the insurance company may claim that you are refusing to do what you need to do to get better so you can work and will deny your long-term disability claim for that. However, you should not be denied for failure to comply …

Having your long-term disability insurance claim approved is a significant first step towards receiving benefits. The next stage is waiting to receive payment. In a disability insurance policy, this is called the elimination period. What Is the Elimination Period? The elimination period is the period of time that you must wait to receive your first …

When applying for benefits, you must provide evidence to prove that you qualify for long-term disability benefits. You must provide your insurance company with medical records from only the doctors treating you for your disability. Providing medical records that are not related to your disability is irrelevant and could hurt your claim. The …

If you have a long-term disability policy, either provided by your employer or through a policy you’ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a …

You’re probably here today because your insurance company has denied your long-term disability claim, saying they’re denying you due to a pre-existing condition. We will help you understand what pre-existing means and how the term applies to long-term disability claims. Below, we provide several examples that help to explain long-term …

Long-term disability claims are heavily decided by the medical evidence that is provided as part of fulfilling your “proof of claim” or “proof of loss.” Ultimately, it is the claimant’s burden to prove that a physical or mental condition has so negatively affected the claimant that the claimant can no longer continue in his or her …