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 Hematological Disorders Qualify for Long Term Disability?
There are a wide variety of medical conditions which, if severe enough, may qualify for long term disability benefits. These conditions include, but are not limited to, the following:
Anemia is defined as an absolute reduction in the quantity of the oxygen-carrying pigment hemoglobin (Hgb) in the circulating blood. Anemia is further broadly sub-categorized into acute and chronic.
Sickle Cell Disease
Sickle cell disease is a group of disorders that affects hemoglobin, the molecule in red blood cells that delivers oxygen to cells throughout the body. People with this disorder have atypical hemoglobin molecules called hemoglobin S, which can distort red blood cells into a sickle, or crescent, shape.
Chronic thrombocytopenia is defined as having a low blood platelet count over a prolonged period of time. Blood platelets are clear blood cells that help your blood to clot, stopping bleeding. Having a low blood platelet count causes can cause you to have difficulty stopping bleeding once it starts.
Hereditary hemorrhagic telangiectasia is a disorder that results in the development of multiple abnormalities in the blood vessels.
Coagulation Defects (Hemophilia or a similar disorder)
Coagulation defects are a family of medical conditions characterized by excessive bleeding and a lack of blood clotting.
Polycythemia vera is a type of blood cancer. It causes your bone marrow to make too many red blood cells. These excess cells thicken your blood, slowing its flow, which may cause serious problems, such as blood clots.
Myelofibrosis (Myeloproliferative Syndrome)
Myelofibrosis is an uncommon type of bone marrow cancer that disrupts your body’s normal production of blood cells. Myelofibrosis causes extensive scarring in your bone marrow, leading to severe anemia that can cause weakness and fatigue.
Chronic granulocytopenia is a condition in which the body does not produce enough granulocytes. Granulocytes are white blood cells that help the body to fight off infections.
Aplastic anemia is an autoimmune disease in which the body fails to produce blood cells in sufficient numbers.
If you are unable to work as a result of hematological disorders, 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 hematological disorder 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.