Long-term disability can happen to anyone, whether it be the result of genetic predisposition, environmental factors, random illness or injury. Those who suffer from disabling medical conditions might struggle to work at all after the disabling condition takes effect. Today, we discuss the top 10 medical conditions that qualify for long term disability in 2021.
Long Term Disability Insurance
Obtaining disability coverage, such as an insurance policy for long-term disability income, is one of the best things you can do to protect yourself. These benefits are designed to act as an income replacement during the time that you are unable to work due to your impairments. If you receive long term disability insurance benefits you can easily take care of yourself even if you become disabled and are unable to hold a full-time job.
Conditions That Qualify For Long Term Disability Benefits
Today, we are here to discuss the top ten medical conditions that can entitle you to receive long-term disability insurance payments under the terms of the disability coverage you obtained from your insurer. Today, we are here to discuss the top ten medical conditions that can entitle you to receive long-term disability insurance payments under the terms of the disability coverage you obtained from your insurer. We are dedicated to helping you recover the disability benefits you deserve and well-equipped to fight for your best interests. The top 10 medical conditions that are eligible for long term disability in 2021 include:
Almost everyone’s life has been affected by cancer in one way or another. Different types of cancer, if severe enough, may qualify you to receive long-term disability insurance benefits. Some cancers qualify for disability at stage three and beyond, while others, especially the aggressive ones, qualify for disability benefits with just a diagnosis.
Some instances when you may be eligible for the benefits include when you are undergoing intense active treatment that prevents you from working and when the effects of the treatment that is meant to improve your medical condition are actually making your disorder worse and causing disability. The different types of cancer that may qualify you to receive benefits include acute leukemia, myelofibrosis, lymphoma, multiple myeloma, and more.
The musculoskeletal system comprises of your bones, tendons, muscles, joints, and ligaments. Musculoskeletal disorders can be acquired or hereditary. The severity of these disorders depends on how long the condition has been present and the constitution of the patient. Musculoskeletal impairments can also be the result of an injury.
Some of the common musculoskeletal disorders include traumatic injury, osteoarthritis or rheumatoid arthritis, a herniated or ruptured disc in the spine, amputations, and neck and back pain. If you cannot walk or perform some dexterous movements such as writing due to arthritis, you can qualify for long-term disability benefits. You can schedule a free case evaluation call with an experienced attorney from Ortiz Law Firm to discuss the merits of your claim.
Cardiovascular disorders, also known as heart disease, involve disease of the heart and blood vessels. Heart disease is a common medical condition in the United States, killing hundreds of patients annually. There is a wide range of disabling heart conditions, and some may qualify for long-term disability benefits when they lead to adverse limitations in what patients are able to do.
Some of the conditions that qualify for these insurance benefits include heart attack, hemorrhagic stroke, ischemic stroke, arrhythmia, coronary heart disease, coronary artery disease, hypertension, arteritis, deep vein thrombosis, and heart failure. If you have one of these conditions and you are unable to work, our long-term disability attorney can help you obtain your insurance benefits.
Did you know that nearly 20% of people who receive Social Security disability benefits suffer mental illnesses like autism or mood disorders? And those with disability coverage through an insurance carrier may also be eligible for long term disability. One of every four Americans has some form of mood-based disability. Many people with psychological medical conditions qualify for benefits with mood disorders. However, drug addiction or substance abuse may make it more difficult to receive benefits.
Some mental disorders that are eligible for long-term disability benefits include depression, post-traumatic stress disorder, anxiety and panic attacks, bipolar disorder, personality disorders, organic mental disorders, schizophrenia, somatoform disorders, and affective disorders. It is often challenging to get your long-term disability benefits for mental illness, and that’s why you should work with an experienced lawyer to fight for your best interests.
Most people applying for long-term disability benefits often suffer from some form of chronic breathing disorder that prevent them from performing their full-time jobs. These disorders often result from environmental toxins or poor air quality. These can permanently damage patients’ ability to breathe or even perform simple tasks.
Applicants with severe breathing challenges are more likely to be approved for LTD benefits if their symptoms are well-documented through objective medical evidence and in the form of breathing test results. Respiratory diseases that qualify for LTD benefits include chronic obstructive pulmonary disease, cystic fibrosis, asthma, restrictive lung disease, stroke-related respiratory injury, and other chronic impairments.
You can qualify for long-term disability benefits if you suffer from neurological disorders that make it difficult or impossible for you to hold full-time and gainful employment. Neurological illnesses can occur anywhere within the central nervous system. This includes the spinal cord and peripheral nervous system. Your insurance company can approve disability benefits for adverse cases of cerebral palsy, epilepsy, ALS, multiple sclerosis, a traumatic brain injury, Parkinson’s disease, and other nerve-related diseases.
You’re required to demonstrate that your symptoms are severe enough to the extent that you cannot perform any activity on an ongoing basis regardless of being under the care of a medical practitioner. This helps to satisfy your burden of proof in the long-term disability claim. One of the safest ways to ensure that your long-term disability claim is approved is having a professional long-term disability lawyer to guide you in appealing your claim if your benefits are denied or terminated.
Autoimmune System Disorders
Autoimmune disorders cause the body to have an underactive or overactive immune system. If your immune system fails to perform its job or doesn’t do it the right way, the immune system tends to attack the wrong thing or even fail to attack, and the results can be adverse. If you cannot work due to an autoimmune disorder and you have professional medical evidence to support your claim, your condition is likely to be considered a disability.
Whether it happens naturally or due to environmental toxins, lupus, multiple sclerosis, myasthenia gravis, systemic sclerosis, inflammatory bowel disease, HIV/AIDS, inflammatory arthritis, and Goodpasture syndrome are some of the medical conditions that qualify for long term disability benefits. Many autoimmune disorders affect multiple body systems.
Special Senses and Speech Disorders
Special senses and speech disorders are some of the medical conditions that often qualify for LTD benefits. Any medical condition that chronically or permanently impairs your special senses or prevents you from speaking to your full capacity might qualify for long-term disability coverage. These conditions often include visual impairment, hearing impairment, speech disorders, macular degeneration, extensive burns, and diabetic retinopathy.
Hematological disorders, also known as blood disorders, are conditions that may prevent you from working. They occur when the blood fails to produce properly from the bone marrow or fails in the bloodstream. A hematological disorder or syndrome that reoccurs may be considered a chronic impairment.
Patients with blood disorders often experience severe weakness, pain, and various internal imbalances. This is because blood is vital to the immune system and the waste management process. There are various hematological disorders, if severe enough, can qualify for long-term disability benefits. Chronic hematological conditions that may make you eligible to receive benefits include sickle cell disease, chronic anemia, hemophilia, multiple myeloma, spleen diseases, aplastic anemia, chronic granulocytopenia, and more.
The body’s nutrition and energy come from the digestive system. Various digestive disorders can prevent you from retaining healthy nutrients from the food you eat or make eating a painful and unbearable experience. It is important to seek medical attention before claiming your long-term disability benefits due to digestive disorders. This way, you can show that you have remained disabled regardless of complying with the prescribed treatments.
Many digestive disorders also cause chronic fatigue. Some categories of digestive system disorders that qualify for long-term disability benefits include chronic liver disease, inflammatory bowel disease, irritable bowel syndrome, Crohn’s disease, short bowel syndrome, hernia, and temporomandibular joint disease.
Reasons to Hire a Long Term Disability Lawyer from Ortiz Law Firm
If you have filed long-term disability benefits claim that has been wrongfully denied, now is the right time to reach out to our lawyer. We will ensure you have the peace of mind you deserve when things don’t go as planned and ensure your needs are covered when you are unable to work. We understand that it is in the best interest of your insurance agency to deny your LTD claim, and that’s why we walk the extra mile to ensure you receive what you are entitled to. We will ensure that:
You Never Miss a Deadline
There are strict timeframes to adhere to when appealing a denied long-term disability claim. Our lawyers will take the time to ensure that there is enough information from your medical practitioners. We will then obtain all other necessary documents and file your claim before the appeal window closes.
Your Appeal is Correct and Complete
Our lawyers will get to work adding all possible evidence for you to win or settle your case. Our team has experience preparing and filing administrative appeals with each of the major insurance companies. This includes medical records and residual functional capacity forms. We will ensure that your appeal is complete and supported by the medical evidence, which increases your chance of success.
Build a Solid Case
Our top-notch attorneys will obtain information from your insurance agent about your LTD claim and engage your caretakers and doctors. We will also strive to know everyone involved to best build your case. We also use a comprehensive approach to build your case against the insurance company and help you maneuver the entire process.
You Don’t Have to Go at this Alone
Long-term disability insurance policies are quite complicated. Luckily, Ortiz Law Firm has got you covered. Our office is familiar with all of the disability law (such as ERISA law) that may apply to your claim, and will help you prove that you do not have the ability to work and that your conditions qualify for LTD coverage. An experienced disability attorney from our firm can fight for your best interests and ensure you receive the benefits you are legally entitled to.
Our office would welcome the opportunity to discuss your case with you during a free case evaluation. If one of the major disability insurance companies has denied your LTD claim, do not hesitate to contact us online or call (866) 853-7703 to reserve a free case evaluation with us. We also handle Social Security Disability claims, so you can have both your claims handled by the same disability attorney.