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 Genitourinary Impairments Qualify for Long Term Disability?
Genitourinary impairments, if severe enough, may qualify for long term disability. These conditions include, but are not limited to, the following:
Impairment of Renal Function
Chronic renal disease with:
(A) Chronic hemodialysis or peritoneal dialysis;
(B) Kidney transplantation and residual impairment;
(C) Persistent elevation of serum creatinine to 4 mg per deciliter (dL)(100 ml) or greater or reduction of creatinine clearance to 20 ml per minute or less, over at least 3 months.
And with one of the following:
(1) Renal osteodystrophy manifested by severe bone pain and appropriate medically acceptable imaging demonstrating abnormalities such as osteitis fibrosa, significant osteoporosis, osteomalacia, or pathologic fractures;
(2) Persistent motor or sensory neuropathy;
(3) Persistent fluid overload syndrome with: (a)Diastolic hypertension greater than or equal to diastolic blood pressure of 110 mm Hg; or (b)Persistent signs of vascular congestion despite prescribed therapy (see 6.00B5); or
(4) Persistent anorexia with weight loss determined by body mass index (BMI) of less than 18.0, calculated on at least two evaluations at least 30 days apart within a consecutive 6-month period.
Nephrotic Syndrome
With anasarca with:
(A) Serum albumin of 3.0 g per dL (100 ml) or less and proteinuria of 3.5 g or greater per 24 hours; or
(B) Proteinuria of 10.0 g or greater per 24 hours.
Pregnancy-Related Complications
Although normal childbirth is not covered under long term disability, if you experience complications during pregnancy or after birth, you may still be eligible for long term disability benefits.
Work With an Experienced Long Term Disability Attorney
If you are unable to work as a result of genitourinary impairments, 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 genitourinary impairment 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.