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.
It is important to receive medical treatment while you are claiming long-term disability benefits. While going to the doctor is important regardless of your disabling condition, it is especially important for those who are claiming benefits based on digestive disorders. It will be important to show that you remain disabled despite complying with all prescribed treatments.
Generally speaking, there are six broad categories of digestive conditions that may qualify for LTD benefits:
- Chronic Liver Disease. The insurance company will need to see medical imaging, such as X-Rays, ultrasounds, or endoscopy imaging. In more severe cases, one’s CLD may have caused hospitalization and a need for a blood transfusion. Other examples of severe chronic liver disease include situations where one’s CLD has required shunts, is terminal (end stage), or can be shown to have affected the patient’s mental health significantly.
- Gastrointestinal Hemorrhaging. Evidence to support an LTD claim due to gastrointestinal hemorrhaging may include situations such as where you required multiple blood transfusions during a short period of time.
- Inflammatory Bowel Disease (IBD). To qualify with IBD, you should provide documentation of an endoscopy, medical imaging, or biopsy. You should submit any evidence of hospitalizations.
- Irritable Bowel Syndrome (IBS). IBS is a disorder that affects the large intestine (colon). Irritable bowel syndrome is chronic and commonly causes cramping, abdominal pain, bloating, gas, diarrhea and constipation.
- Liver Transplants. If you have received a liver transplant, you are very likely limited in your activities of daily living. It can take months to recover.
- Short Bowel Syndrome. You may qualify for LTD benefits with SBS, especially when more than half of your small intestine must be removed.