When you apply for long term disability (LTD) benefits, you need to prove that you are disabled (as that term is defined under your policy) and no longer able to perform meaningful work.
What Cancer and Malignant Neoplastic Diseases Qualify for Long Term Disability?
Many types of cancer and malignant neoplastic diseases, if severe enough, qualify for long term disability benefits. Some of the types of cancer that may qualify you to receive benefits include:
- Acute Leukemia
- Cancer, including Breast Cancer and Prostate Cancer
- Chronic Lymphocytic Leukemia
- Chronic Myelogenous Leukemia
- Hodgkin’s Disease
- Multiple Myeloma
However, a diagnosis does not equal disability. Cancers in early stages aren’t likely to qualify for long term disability insurance benefits, nor are claimants who are undergoing treatment but not experiencing absence from work or a loss of income.
Some scenarios in which a claimant may qualify for benefits are:
- Undergoing intense active treatment that prevents the person from working; or
- Cancer is in remission and the lingering effects of treatment are causing disability
If you are unable to work as a result of cancer or malignant neoplastic diseases, you should consult with an experienced long term disability attorney. Unfortunately, long term disability carriers do not make it easy for disabled claimants to receive the benefits that they deserve. If your cancer or malignant neoplastic disease makes it impossible for you to work and you have been denied your long term disability benefits, the legal team at Ortiz Law Firm can help you cut through the red tape and fight for your disability benefits no matter where you live in the United States. Give us a call today to discuss your claim at (888) 321-8131.