{"id":2224,"date":"2021-07-15T14:47:37","date_gmt":"2021-07-15T14:47:37","guid":{"rendered":"https:\/\/nolfinal.wpengine.com\/?page_id=2224"},"modified":"2024-04-15T15:01:51","modified_gmt":"2024-04-15T20:01:51","slug":"medical-conditions","status":"publish","type":"page","link":"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/","title":{"rendered":"Medical Conditions That Qualify for Long-Term Disability"},"content":{"rendered":"\n<p style=\"font-size:14px\">Last Updated:<strong> <\/strong>March 13, 2024 \/\/ Reviewed and Edited by: <a href=\"https:\/\/www.nickortizlaw.com\/about-us\/\" data-type=\"page\" data-id=\"1095\">Ortiz Law Firm<\/a><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li ><a href=\"#understanding-long-term-disability-insurance\">Understanding Long-Term Disability Insurance<\/a><ul><li ><a href=\"#eligibility-criteria-for-long-term-disability-benefits\">Eligibility Criteria for Long-Term Disability Benefits<\/a><\/li><\/ul><\/li><li ><a href=\"#medical-conditions-that-may-qualify-for-long-term-disability\">Medical Conditions That May Qualify for Long-Term Disability<\/a><\/li><li ><a href=\"#categories-of-medical-conditions-for-disability\">Categories of Medical Conditions for Disability<\/a><ul><li ><a href=\"#cancer\">Cancer<\/a><\/li><li ><a href=\"#cardiovascular-disorders\">Cardiovascular Disorders<\/a><\/li><li ><a href=\"#chronic-illnesses\">Chronic Illnesses<\/a><\/li><li ><a href=\"#congenital-disorders-affecting-multiple-body-systems\">Congenital Disorders Affecting Multiple Body Systems<\/a><\/li><li ><a href=\"#degenerative-diseases\">Degenerative Diseases<\/a><\/li><li ><a href=\"#endocrine-metabolic-and-nutritional-disorders\">Endocrine, Metabolic, and Nutritional Disorders<\/a><\/li><li ><a href=\"#gastrointestinal-disorders\">Gastrointestinal Disorders<\/a><\/li><li ><a href=\"#genitourinary-disorders\">Genitourinary Disorders<\/a><\/li><li ><a href=\"#hematological-disorders\">Hematological Disorders<\/a><\/li><li ><a href=\"#immune-system-disorders-and-infections\">Immune System Disorders and Infections<\/a><\/li><li ><a href=\"#mental-disorders\">Mental Disorders<\/a><\/li><li ><a href=\"#musculoskeletal-disorders\">Musculoskeletal Disorders<\/a><\/li><li ><a href=\"#neurological-disorders\">Neurological Disorders<\/a><\/li><li ><a href=\"#respiratory-disorders\">Respiratory Disorders<\/a><\/li><li ><a href=\"#skin-disorders\">Skin Disorders<\/a><\/li><li ><a href=\"#special-senses-and-speech-impairments\">Special Senses and Speech Impairments<\/a><\/li><\/ul><\/li><li ><a href=\"#other-requirements-for-a-long-term-disability-insurance-claim\">Other Requirements for a Long-Term Disability Insurance Claim<\/a><ul><\/ul><\/li><li ><a href=\"#filing-a-claim-for-long-term-disability-insurance\">Filing a Claim for Long-Term Disability Insurance<\/a><\/li><li ><a href=\"#challenging-an-unjust-denial-of-long-term-disability-benefits\">Challenging an Unjust Denial of Long-Term Disability Benefits<\/a><\/li><li ><a href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>When faced with a disabling medical condition, discovering whether it meets the requirements for long-term disability benefits is a vital step in the process. Knowing the specific criteria for eligible conditions can help individuals assess their options and take necessary steps to secure financial support.<\/p>\n\n\n\n<p>If you have received a long-term disability claim denial, we may be able to help you file an appeal or lawsuit to recover your benefits. Since 2012, the legal team at Ortiz Law Firm has been committed to assisting individuals denied the long-term disability benefits they deserve. We can manage the legal intricacies, enabling you to concentrate on your well-being and family while we fight to obtain the benefits you deserve\u2014call <strong><a href=\"tel:8883218131\">(888) 321-8131<\/a><\/strong> for a free case review.<\/p>\n\n\n\n<a class=\"button large\" href=\"https:\/\/www.nickortizlaw.com\/contact\/\">Get a Free Case Review<\/a>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"understanding-long-term-disability-insurance\" style=\"font-size:px\">Understanding Long-Term Disability Insurance<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/\" data-type=\"page\" data-id=\"3218\">Long-term disability (LTD) insurance<\/a> offers financial assistance to employees who can&#8217;t work for an extended time due to health issues, injuries, or accidents. This <strong>form of insurance allows employees to receive a percentage of their usual income<\/strong> while unable to perform their job duties, regardless of where the injury or illness occurred. Regrettably, some insurance providers might unjustly deny your LTD claim to increase their profitability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"eligibility-criteria-for-long-term-disability-benefits\">Eligibility Criteria for Long-Term Disability Benefits<\/h3>\n\n\n\n<p>In broad terms, you could be eligible for LTD benefits if you:<\/p>\n\n\n\n<ul>\n<li>Obtain long-term disability insurance coverage.<\/li>\n\n\n\n<li>Have a qualifying medical condition and<\/li>\n\n\n\n<li>Submit an LTD claim to your insurance carrier.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"medical-conditions-that-may-qualify-for-long-term-disability\">Medical Conditions That May Qualify for Long-Term Disability<\/h2>\n\n\n\n<p>A wide array of medical conditions may qualify for long-term disability. These conditions and the necessary medical treatment can significantly interfere with an individual\u2019s ability to obtain and maintain gainful employment, thereby making such individuals eligible for disability insurance benefits.<\/p>\n\n\n\n<p class=\"has-text-align-left\">However, you must understand your insurance company&#8217;s definition of disability before submitting a claim. You can find this information in your insurance policy. It&#8217;s important for applicants to carefully review their policy&#8217;s terms and conditions to see if their specific medical condition is excluded from coverage or if benefits may be limited.<\/p>\n\n\n\n<p>For more information about the medical criteria for long-term disability benefits and how we can assist you in appealing a denied claim, don&#8217;t hesitate to contact us\u2014call <strong><a href=\"tel:8883218131\">(888) 321-8131<\/a><\/strong> for a free case review.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"categories-of-medical-conditions-for-disability\">Categories of Medical Conditions for Disability<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66%\">\n<p>Below are some of the <strong>medical conditions that may be considered severe enough by disability insurance companies to qualify a claimant for long-term disability<\/strong> or individual disability insurance benefits. Most of these conditions fall under one of several categories.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div class=\"wp-block-image is-style-rounded\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/medical-conditions-qualify-long-term-disability-insurance-benefits-300x300-1.png\" alt=\"Medical Conditions That Qualify For Long Term Disability Insurance Benefits\" class=\"wp-image-1300\" style=\"width:175px\" srcset=\"https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/medical-conditions-qualify-long-term-disability-insurance-benefits-300x300-1.png 300w, https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/medical-conditions-qualify-long-term-disability-insurance-benefits-300x300-1-150x150.png 150w, https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/medical-conditions-qualify-long-term-disability-insurance-benefits-300x300-1-80x80.png 80w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure><\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cancer\">Cancer<\/h3>\n\n\n\n<p>Oncological disorders like cancer are among the leading causes of LTD claims. Patients dealing with cancer frequently undergo therapies such as chemotherapy and radiation, resulting in side effects that may impair their ability to work for a prolonged duration. During this challenging time, disability insurance can provide essential financial assistance. Many types of cancer may qualify you for benefits, including:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/leukemia\/\">Acute Leukemia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cancer-and-long-term-disability\/\" data-type=\"page\" data-id=\"9356\">Cancer<\/a>, including <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/breast-cancer-and-long-term-disability\/\" data-type=\"page\" data-id=\"9364\">Breast Cancer<\/a> and Prostate Cancer<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/leukemia\/\">Chronic Lymphocytic Leukemia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/leukemia\/\">Chronic Myelogenous Leukemia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/lymphoma\/\">Hodgkin\u2019s Disease<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/lymphoma\/\">Lymphoma<\/a><\/li>\n\n\n\n<li>Macroglobulinemia<\/li>\n\n\n\n<li>Mesothelioma<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/multiple-myeloma\/\">Multiple Myeloma<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/myelofibrosis\/\">Myelofibrosis<\/a><\/li>\n\n\n\n<li>Tumors<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cardiovascular-disorders\">Cardiovascular Disorders<\/h3>\n\n\n\n<p>LTD insurance plans typically cover heart failure, ischemic heart disease, and cardiac arrhythmias if these issues significantly restrict one&#8217;s physical capabilities and performance at work.<\/p>\n\n\n\n<p>Insurers may periodically reevaluate heart-related claims by requesting updated medical evidence several months after a cardiac event to reassess your ability to work. Common cardiovascular disorders include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/aneurysms\/\">Aneurysm of the Aorta or Major Branches<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/arteritis\/\" data-type=\"page\" data-id=\"2909\">Arteritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/atrial-fibrillation\/\">Atrial Fibrillation<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chronic-venous-insufficiency\/\">Chronic Venous Insufficiency<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/coronary-heart-disease\/\">Coronary Heart Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cor-pulmonale-secondary-chronic-pulmonary-hypertension\/\">Cor Pulmonale Secondary Chronic Pulmonary Hypertension<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/heart-attack\/\">Heart Attack<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/congestive-heart-failure\/\">Congestive Heart Failure<\/a><\/li>\n\n\n\n<li>Heart Transplant<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/high-blood-pressure\/\">Hypertension<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/coronary-heart-disease\/\">Ischemic Heart Disease<\/a><\/li>\n\n\n\n<li>Left Ventricular Assist Device<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/orthostatic-hypertension-or-hypotension\/\">Orthostatic Hypertension or Hypotension<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/peripartum-cardiomyopathy\/\">Peripartum Cardiomyopathy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/peripheral-arterial-disease\/\">Peripheral Artery Disease (PAD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/disability-for-phlebitis\/\">Phlebitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/is-pots-a-disability\/\">Postural orthostatic tachycardia syndrome&nbsp;(POTS)<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/arrhythmia\/\">Recurrent Arrhythmia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/congenital-heart-disease\/\">Symptomatic Congenital Heart Disease<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"chronic-illnesses\">Chronic Illnesses<\/h3>\n\n\n\n<p>A chronic illness is a condition that persists and necessitates continuous medical treatment over time. &nbsp;Some conditions that are often chronic and may qualify for LTD benefits include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chemical-sensitivity\/\">Chemical Sensitivity<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chronic-fatigue-syndrome\/\">Chronic Fatigue Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chronic-radiation-enteritis\/\">Chronic Radiation Enteritis<\/a><\/li>\n\n\n\n<li>Coma<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/migraines\/\">Headaches, including Migraine Headaches<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/insomnia\/\">Insomnia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/post-exertional-malaise\/\" data-type=\"page\" data-id=\"8512\">Post-Exertional Malaise<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/sleep-apnea\/\">Sleep Apnea<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/sleep-disorders\/\">Sleep Disorder<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p class=\"blockquote\">We helped a client with chronic fatigue after <a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/reliance-standard\/\" data-type=\"page\" data-id=\"1787\">Reliance Standard<\/a> terminated the claim, citing a policy provision that limits payment of benefits for a disability caused by or contributed to by a <a href=\"https:\/\/www.nickortizlaw.com\/does-a-mental-health-limitation-apply-to-my-claim-for-long-term-disability-insurance-benefits\/\" data-type=\"post\" data-id=\"7880\">mental or nervous disorder<\/a> to 24 months.&nbsp;We appealed the denial, and the claim was reinstated!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"congenital-disorders-affecting-multiple-body-systems\">Congenital Disorders Affecting Multiple Body Systems<\/h3>\n\n\n\n<p>Mosaic Down syndrome is the primary congenital disorder that may qualify for LTD benefits. Other inherited conditions that affect multiple systems within the body may also be considered eligible if they result in significant functional limitations and restrict routine activities. These conditions include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Non-mosaic Down Syndrome<\/li>\n\n\n\n<li>Trisomy X Syndrome (XXX Syndrome)<\/li>\n\n\n\n<li>Fragile X Syndrome<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Phenylketonuria (PKU)<\/li>\n\n\n\n<li>Caudal Regression Syndrome<\/li>\n\n\n\n<li>Fetal Alcohol Syndrome<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"degenerative-diseases\">Degenerative Diseases<\/h3>\n\n\n\n<p>A degenerative condition is a disease where an organ&#8217;s cellular and tissue makeup progressively decline. Examples of such conditions include:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/long-term-disability-for-huntingtons-disease\/\" data-type=\"page\" data-id=\"8902\">Huntington\u2019s Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/parkinsons-disease\/\">Parkinson\u2019s Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/als\/\">Amyotrophic Lateral Sclerosis (ALS)<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"endocrine-metabolic-and-nutritional-disorders\">Endocrine, Metabolic, and Nutritional Disorders<\/h3>\n\n\n\n<p>Conditions that disrupt hormonal balance, like diabetes, thyroid issues, and elevated blood sugar, may qualify for LTD benefits.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Adrenal Gland Disorders<\/li>\n\n\n\n<li>Anorexia<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/diabetes\/\">Diabetes<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/diabetic-ketoacidosis\/\">Diabetic ketoacidosis<\/a><\/li>\n\n\n\n<li>Gout<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/hashimotos-disease\/\" data-type=\"page\" data-id=\"9361\">Hashimoto&#8217;s Disease<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Malnutrition<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/mast-cell-activation-syndrome\/\">Mast Cell Activation Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/obesity\/\">Obesity<\/a><\/li>\n\n\n\n<li>Parathyroid Gland Disorders<\/li>\n\n\n\n<li>Pituitary Gland Disorders<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/thyroid-gland-disorders\/\">Thyroid Gland Disorders<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"gastrointestinal-disorders\">Gastrointestinal Disorders<\/h3>\n\n\n\n<p>Digestive system disorders such as Crohn&#8217;s or liver disease can lead to incapacitating symptoms that may affect one&#8217;s ability to perform regular work duties.<\/p>\n\n\n\n<p>Insurers generally assess how treatments influence the intensity and persistence of gastrointestinal conditions before confirming if a claimant is eligible for LTD benefits. Some digestive disorders include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cirrhosis\/\">Cirrhosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/crohns-disease\/\">Crohn\u2019s Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/colitis\/\">Colitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/diverticulitis\/\">Diverticulitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/gastritis\/\">Gastritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/gastroparesis\/\">Gastroparesis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/hernia\/\">Hernia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/inflammatory-bowel-disease\/\">Inflammatory Bowel Disease (IBD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/irritable-bowel-syndrome\/\">Irritable Bowel Syndrome (IBS)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/kidney-and-bladder-disorders\/\">Kidney and Bladder Disorders<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/kidney-failure\/\">Kidney Failure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chronic-liver-disease\/\">Liver Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/necrotizing-colitis\/\">Necrotizing Colitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/pancreatitis\/\">Pancreatitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cirrhosis\/\">Primary Biliary Cirrhosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/primary-sclerosing-cholangitis\/\">Primary Sclerosing Cholangitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/short-bowel-syndrome\/\">Short Bowel Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/ulcerative-colitis\/\">Ulcerative Colitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/wilsons-disease\/\">Wilson\u2019s Disease<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p class=\"blockquote\">&#8220;I was fighting a long-term disability company whose policy I had bought and who refused to pay any of my benefits after I became disabled. Nick agreed to take my case and though there were many hoops he had to jump through, he never gave up. I will always be grateful to Nick and his staff for all the work they did on my behalf.&#8221; <strong><strong>\u2013<\/strong> Teacher in North Carolina with a Denied Disability Claim<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"genitourinary-disorders\">Genitourinary Disorders<\/h3>\n\n\n\n<p>Under LTD plans, conditions affecting the kidney and urinary system that result in chronic kidney disease or complete renal failure may also be covered. Insurers consider related symptoms, complications, and related conditions when evaluating claims. Genitourinary impairments could include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Cervicitis<\/li>\n\n\n\n<li>Endometriosis<\/li>\n\n\n\n<li>Enlarged Prostate<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/interstitial-cystitis\/\">Interstitial Cystitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/kidney-and-bladder-disorders\/\">Kidney and Bladder Disorders<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/kidney-failure\/\">Kidney Failure<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Genital Organ Disorders<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/nephrotic-syndrome\/\">Nephrotic Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/long-term-disability-claims-for-neurogenic-bladder\/\" data-type=\"page\" data-id=\"8852\">Neurogenic Bladder<\/a><\/li>\n\n\n\n<li>Prostatitis<\/li>\n\n\n\n<li>Urinary Tract Infections<\/li>\n\n\n\n<li>Uterine Prolapse<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hematological-disorders\">Hematological Disorders<\/h3>\n\n\n\n<p>Some blood-related conditions, such as severe anemia or clotting issues, could be covered if they significantly limit your ability to work.<\/p>\n\n\n\n<p>Factors such as your symptoms, the effectiveness of your treatment, and medication side effects will be considered by your insurer when assessing your claim. Some hematological disorders that may qualify for long-term disability benefits include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Aplastic Anemia with Bone Marrow or Stem Cell Transplantation<\/li>\n\n\n\n<li>Chronic Anemia<\/li>\n\n\n\n<li>Chronic Granulocytopenia<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/sickle-cell-disease\/\">Sickle Cell Disease<\/a><\/li>\n\n\n\n<li>Chronic Thrombocytopenia<\/li>\n\n\n\n<li>Coagulation Defects and Hemophilia<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Hereditary Telangiectasia<\/li>\n\n\n\n<li>Hemochromatosis<\/li>\n\n\n\n<li>Liver Transplantation<\/li>\n\n\n\n<li>Polycythemia Vera<\/li>\n\n\n\n<li>Spleen Diseases<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/systemic-vasculitis\/\">Systemic Vasculitis<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"immune-system-disorders-and-infections\">Immune System Disorders and Infections<\/h3>\n\n\n\n<p>LTD insurance might cover issues related to the immune system, often characterized as<strong>&nbsp;\u200b\u200b<\/strong>autoimmune disorders, immune deficiency disorders (excluding HIV), and HIV infection. These conditions can result in considerable physical limitations for the insured. Common <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/autoimmune-disorders\/\" data-type=\"page\" data-id=\"7972\">autoimmune disorders<\/a> include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-10 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/anaphylaxis-severe-allergic-reactions\/\">Anaphylaxis, or Severe Allergic Reactions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/autoimmune-hepatitis\/\">Autoimmune Hepatitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/dermatomyositis\/\">Dermatomyositis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/epstein-barr-virus\/\">Epstein-Barr Virus<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/graves-disease\/\">Graves\u2019 Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/hepatitis\/\">Hepatitis B<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/hepatitis\/\">Hepatitis C<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/hiv-aids\/\">HIV\/AIDS<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/mast-cell-activation-syndrome\/\">Mast Cell Activation Syndrome<\/a><\/li>\n\n\n\n<li>Meningitis<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/poliomyelitis-polio\/\" data-type=\"page\" data-id=\"1489\">Polio<\/a><\/li>\n\n\n\n<li>Salmonella<\/li>\n\n\n\n<li>Tuberculosis<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/immunodeficiency-disorders\/\">Immunodeficiency Disorders<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/guardian-life\/\">Lupus<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/poisoning\/\">Poisoning<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/polymyalgia-rheumatica\/\">Polymyalgia rheumatica<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/polymyositis\/\">Polymyositis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/scleroderma\/\">Scleroderma<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mental-disorders\">Mental Disorders<\/h3>\n\n\n\n<p>Various psychiatric conditions, including clinical depression, bipolar disorders, and schizophrenia, might be covered under LTD insurance. Insurers will thoroughly review your medical history and daily functions to ascertain eligibility. In extreme cases, these disorders may compromise one&#8217;s ability to hold a regular job. Several mental health conditions could qualify for long-term disability benefits, including:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-11 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/agoraphobia\/\">Agoraphobia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/aspergers-syndrome\/\">Asperger\u2019s Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/adhd\/\">Attention Deficit Hyperactivity Disorder (ADHD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/anxiety\/\">Anxiety Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/autism\/\">Autism<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/bipolar-disorder\/\">Bipolar Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/depression\/\">Depression<\/a><\/li>\n\n\n\n<li>Drug Addiction<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/dysthymic-disorder\/\">Dysthymic Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/mood-disorders\/\">Mood Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/obsessive-compulsive-disorder\/\">Obsessive-Compulsive Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/organic-mental-disorders\/\">Organic Mental Disorders<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/panic-attacks\/\">Panic Attacks<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/ptsd\/\">Post Traumatic Stress Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/schizophrenia\/\">Schizophrenia<\/a><\/li>\n\n\n\n<li>Seasonal Affective Disorder<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Although these illnesses are severe, you must verify the existence of your illness and the resulting limitations. Proving the existence of your illness and the resulting limitations can be challenging. Policyholders should also be aware that many policies limit the benefit period for mental health claims.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.nickortizlaw.com\/long-term-disability-after-2-years\/\">Most LTD policies have <\/a><strong><a href=\"https:\/\/www.nickortizlaw.com\/long-term-disability-after-2-years\/\">a maximum benefit period of 24 months for mental health conditions<\/a>.<\/strong> The insurance company uses the reasoning that these illnesses are difficult to prove with medical testing and lab reports so that they can be faked or exaggerated. <a href=\"https:\/\/www.nickortizlaw.com\/contact\/\" data-type=\"page\" data-id=\"6\">Request a free case review<\/a> to see if a long-term disability lawyer at Ortiz Law Firm can help you pursue additional benefits beyond your policy&#8217;s mental health limitation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"musculoskeletal-disorders\">Musculoskeletal Disorders<\/h3>\n\n\n<div class=\"wp-block-image is-style-default\">\n<figure class=\"alignright size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/03\/bigstock-Businessman-Suffers-From-Lower-287274220-1024x683.jpg\" alt=\"Businessman Sitting In Shared Office Suffers From Lower Back Pain\" class=\"wp-image-1669\" style=\"width:250px\" srcset=\"https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/03\/bigstock-Businessman-Suffers-From-Lower-287274220-1024x683.jpg 1024w, https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/03\/bigstock-Businessman-Suffers-From-Lower-287274220-300x200.jpg 300w, https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/03\/bigstock-Businessman-Suffers-From-Lower-287274220-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>According to the <a href=\"https:\/\/disabilitycanhappen.org\/research-cda_ltd_claims_survey_2011\/\" target=\"_blank\" rel=\"noopener\">Council for Disability Awareness<\/a>, <strong>musculoskeletal conditions are the most common reason for filing LTD claims<\/strong>. These claims can include ongoing back pain, various forms of arthritis, and joint issues, resulting in persistent pain and physical limitations, making it difficult for people to carry out their usual job responsibilities. <\/p>\n\n\n\n<p>Musculoskeletal impairments include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-12 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/amputation\/\">Amputation<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/arthritis\/\">Arthritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/arthralgia\/\">Arthralgia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/avascular-necrosis\/\">Avascular or Aseptic Necrosis (AVN)&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/back-pain\/\">Back Pain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/carpal-tunnel-syndrome\/\">\u200bCarpal Tunnel Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cervical-instability\/\" data-type=\"page\" data-id=\"8510\">Cervical Instability<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cervical-spinal-stenosis\/\">Cervical Stenosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chiari-malformation\/\">Chiari Malformation<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/complex-regional-pain-syndrome\/\">Complex Regional Pain Syndrome (CRPS), also known as Reflex Sympathetic Disorder<\/a>.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/degenerative-disc-disease\/\">Degenerative Disc Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/degenerative-joint-disease\/\">Degenerative Joint Disease<\/a><\/li>\n\n\n\n<li>Dislocations<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/fibromyalgia\/\">Fibromyalgia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/fibromyitis\/\">Fibromyitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/fractured-femur-tibia-fibula-pelvis\/\">Fracture of the Femur, Tibia, or Pelvis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/fracture-of-an-upper-extremity\/\">Fracture of an Upper Extremity<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/herniated-discs\/\">Herniated Disc<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/inflammatory-arthritis\/\">Inflammatory Arthritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/long-term-disability-claims-for-kyphosis\/\">Kyphosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/lumbar-spinal-stenosis\/\">Lumbar Stenosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/marfan-syndrome\/\">Marfan Syndrome<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/connective-tissue-disorders\/\">Mixed Connective Tissue Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/muscular-dystrophy\/\">Muscular Dystrophy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/myelopathy\/\" data-type=\"page\" data-id=\"8442\">Myelopathy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/osteoarthritis\/\">Osteoarthritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/osteoporosis\/\">Osteoporosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/pectoralis-major-injury\/\">Pectoralis Major Injury<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/pelvic-floor-dysfunction\/\">Pelvic Floor Dysfunction<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/poliomyelitis-polio\/\" data-type=\"page\" data-id=\"1489\">Poliomyelitis (Polio)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/polychondritis\/\">Polychondritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/long-term-disability-for-radiculopathy\/\" data-type=\"page\" data-id=\"8848\">Radiculopathy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/rheumatoid-arthritis\/\">Rheumatoid Arthritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/repetitive-strain-injuries-and-long-term-disability-claims\/\" data-type=\"page\" data-id=\"9371\">Repetitive Strain Injuries<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/herniated-discs\/\">Ruptured Disc<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/sciatica\/\">Sciatica<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/scoliosis\/\">Scoliosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/burns\/\">Soft Tissue Injury (Burns)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/spina-bifida\/\">Spina Bifida<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/spinal-arachnoiditis\/\">Spinal&nbsp;Arachnoiditis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/what-spine-disorders-qualify-for-ltd\/\">Spine Disorders<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/temporomandibular-joint-disorder-tmj\/\">Temporomandibular Joint Disorder (TMJ)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/tendinitis\/\">Tendinitis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/connective-tissue-disorders\/\">Undifferentiated Connective Tissue Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/understanding-long-term-disability-for-vertebrogenic-pain\/\" data-type=\"page\" data-id=\"8598\">Vertebrogenic Pain<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"neurological-disorders\">Neurological Disorders<\/h3>\n\n\n\n<p>LTD policies often cover nervous system conditions like epilepsy and Parkinson\u2019s disease, which can lead to considerable functional limitations.<\/p>\n\n\n\n<p>Reviewers will examine how your condition affects your physical and cognitive abilities and impedes your regular work activities. Some of the neurological disorders that may result in impairment include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-13 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/alzheimers-disease\/\">Alzheimer\u2019s Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/ataxia-disability-claims\/\">Ataxia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/bells-palsy\/\">Bell\u2019s Palsy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cerebral-palsy\/\">Cerebral Palsy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/charcot-marie-tooth-disease\/\" data-type=\"page\" data-id=\"8384\">Charcot-Marie-Tooth Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cluneal-nerve-entrapment\/\" data-type=\"page\" data-id=\"8877\">Cluneal nerve entrapment (Cluneal Neuralgia)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/dementia\/\">Dementia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/diabetic-neuropathy\/\">Diabetic Neuropathy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/dystonia\/\">Dystonia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/empty-sella-syndrome\/\">Empty Sella Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/epilepsy\/\">Epilepsy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/guillain-barre-syndrome\/\">Guillain-Barre Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/meralgia-paresthetica\/\">Meralgia&nbsp;Paresthetica<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/narcolepsy\/\">Narcolepsy<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/multiple-sclerosis\/\">Multiple Sclerosis (MS)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/myasthenia-gravis\/\">Myasthenia&nbsp;Gravis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/non-epileptic-seizures\/\">Non-epileptic Seizures<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/paralysis\/\">Paralysis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/neuropathy\/\">Peripheral Neuropathy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/post-concussive-syndrome\/\">Post-Concussive Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/pudendal-neuralgia\/\" data-type=\"page\" data-id=\"8403\">Pudendal Neuralgia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/epilepsy\/\">Seizure Disorder<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/small-fiber-neuropathy\/\">Small Fiber Neuropathy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/stroke\/\">Stroke (Cerebrovascular Accident)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/syringomyelia\/\">Syringomyelia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/traumatic-brain-injury\/\">Traumatic Brain Injury<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/trigeminal-neuralgia\/\">Trigeminal Neuralgia<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"respiratory-disorders\">Respiratory Disorders<\/h3>\n\n\n\n<p>Conditions like COPD or severe asthma could qualify for LTD benefits. These respiratory issues can impair breathing and limit one&#8217;s ability to undertake physically demanding tasks. Respiratory disorders that may result in a disabling impairment include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-14 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/asbestosis\/\">Asbestosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/asthma\/\">Asthma<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/bronchiectasis\/\">Bronchiectasis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chronic-obstructive-pulmonary-disease\/\">Chronic Obstructive Pulmonary Disease (COPD)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chronic-pulmonary-insufficiency\/\">Chronic Pulmonary Insufficiency<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/chronic-pulmonary-insufficiency\/\">Chronic Restrictive Ventilatory Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cystic-fibrosis\/\">Cystic Fibrosis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/emphysema\/\">Emphysema<\/a><\/li>\n\n\n\n<li>Influenza<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/long-covid\/\" data-type=\"page\" data-id=\"7982\">Long COVID<\/a><\/li>\n\n\n\n<li>Lung Transplant<\/li>\n\n\n\n<li>Mycobacterial, Mycotic, and other Chronic Lung Infections<\/li>\n\n\n\n<li>Pneumonia<\/li>\n\n\n\n<li>Pneumoconiosis<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/sarcoidosis\/\">Sarcoidosis<\/a><\/li>\n\n\n\n<li>Sleep-Related Breathing Disorders<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"skin-disorders\">Skin Disorders<\/h3>\n\n\n\n<p>LTD benefits may be an option for those unable to maintain consistent employment due to acute and debilitating skin conditions. Factors like the size, location, and frequency of outbreaks are assessed. Common skin disorders include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-15 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Bullous Diseases<\/li>\n\n\n\n<li>Burns<\/li>\n\n\n\n<li>Cellulitis<\/li>\n\n\n\n<li>Chronic Skin Diseases<\/li>\n\n\n\n<li>Dermatitis<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/dermatomyositis\/\">Dermatomyositis<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li>Eczema<\/li>\n\n\n\n<li>Genetic Photosensitivity Disorders<\/li>\n\n\n\n<li>Ichthyosis<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/lymphedema\/\">Lymphedema<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/psoriasis\/\">Psoriasis<\/a><\/li>\n\n\n\n<li>Sebaceous Cyst<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"special-senses-and-speech-impairments\">Special Senses and Speech Impairments<\/h3>\n\n\n\n<p>Severe impairments affecting vision, hearing, or speech may also be eligible for LTD benefits. Such impairments can significantly affect one&#8217;s capacity to communicate and perform effectively in a work setting, making them eligible for disability benefits. These conditions may include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-16 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/brown-syndrome\/\" data-type=\"page\" data-id=\"8112\">Brown Syndrome<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/burns\/\">Burns<\/a><\/li>\n\n\n\n<li>Diabetic Retinopathy<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/eye-disorders\/\">Eye Disorders<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/hearing-loss\/\">Hearing Loss<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/speech-disorder\/\">Loss of Speech<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/macular-degeneration\/\">Macular Degeneration<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/menieres-disease\/\">Meniere\u2019s Disease<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/scleritis\/\">Scleritis<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/vision-loss\/\">Vision Loss<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-requirements-for-a-long-term-disability-insurance-claim\">Other Requirements for a Long-Term Disability Insurance Claim<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Each policy has a specific definition of disability and other requirements that must be met for a condition to qualify for benefits. You should review the terms of your particular policy when determining whether your medical condition will be eligible.<\/p>\n\n\n\n<p>Although the specific terms may differ, every claimant must meet several medical and non-medical requirements to receive long-term disability insurance benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"have-long-term-disability-insurance-coverage\">Have Long-Term Disability Insurance Coverage<\/h3>\n\n\n\n<p>The first requirement for filing a long-term disability insurance claim is that the individual must have long-term disability coverage. This means that the individual must have a long-term disability insurance policy in place that provides coverage for the type of disability that they are experiencing. <\/p>\n\n\n\n<p class=\"has-text-align-center reverse-callout\">Typically, individuals obtain long-term disability insurance coverage through their employer or by purchasing a policy directly from an insurance company.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"meet-the-minimum-work-hours-requirement\">Meet the Minimum Work Hours Requirement<\/h3>\n\n\n\n<p>Generally, most LTD policies require you to work full-time (35 hours or more, or as otherwise defined in your policy) per week over some time. The exact&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/ltd-glossary-key-terms-in-policy\/minimum-hours-requirement\/\">working-hour requirements<\/a>&nbsp;will be outlined in your policy. Be sure that you have worked this minimum amount before applying for benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"meet-the-definition-of-disability\">Meet the Definition of Disability<\/h3>\n\n\n\n<p>The next requirement for filing a long-term disability insurance claim is that the individual must meet the&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/ltd-glossary-key-terms-in-policy\/\">definition of disability<\/a>&nbsp;outlined in their insurance policy. Claimants must provide&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/medical-requirements-for-long-term-disability\/\">medical documentation<\/a>&nbsp;to support their claim of disability, which should include information about the nature of the condition, the treatment plan, and how the condition prevents them from working.<\/p>\n\n\n\n<p>The definition of disability can vary depending on the policy, but generally, it requires that the individual be unable to perform the material and substantial duties of their occupation due to a medical condition for the first two years that benefits are payable, after which it <a href=\"https:\/\/www.nickortizlaw.com\/own-occupation-vs-any-occupation\/\" data-type=\"post\" data-id=\"3237\">changes to any occupation<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"satisfy-the-elimination-period\">Satisfy the Elimination Period<\/h3>\n\n\n\n<p>You must continue to meet the definition of disability throughout the entirety of the&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/what-is-the-elimination-period-in-an-ltd-claim\/\">elimination period<\/a>. The&nbsp;elimination or waiting period&nbsp;is how long an individual must be disabled before benefits are paid out. The policy determines the length of the elimination period, which can range from 60 to 180 days or more. During the waiting period, the individual is responsible for covering their expenses.<\/p>\n\n\n\n<p class=\"has-text-align-center callout\">The duration of the elimination period affects the policy\u2019s cost, with longer elimination periods resulting in lower premiums. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"comply-with-insurance-company-requirements\">Comply with Insurance Company Requirements<\/h3>\n\n\n\n<p>Finally, the individual must comply with all requirements set forth by the insurance company to receive long-term disability benefits. For example,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/ltd-glossary-key-terms-in-policy\/appropriate-care\/\">appropriate care<\/a>&nbsp;is often a requirement for receiving disability benefits. This means that a policyholder must receive medical treatment that is considered appropriate for their condition to receive disability benefits. Other requirements may include providing medical documentation, attending appointments, and complying with requests for information from the insurance company.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"filing-a-claim-for-long-term-disability-insurance\">Filing a Claim for Long-Term Disability Insurance<\/h2>\n\n\n\n<p>Remember that insurance companies are vested in demonstrating that you don&#8217;t meet the criteria for receiving long-term disability benefits. Rest assured, they will request comprehensive information about your medical condition, including diagnostic tests, healthcare records, and any other pertinent documents.<\/p>\n\n\n\n<p>Your insurance provider may even attempt to reject your long-term disability claim by inaccurately categorizing your condition or asserting that your condition is mental when it is a physical disease. Fortunately, if your claim for disability benefits is turned down, Ortiz Law Firm may be able to assist you in challenging the decision.<\/p>\n\n\n\n<p class=\"blockquote\">&#8220;Ortiz Law Firm has done an amazing job keeping me updated on every step of the process, which helped relieve some of my stress. It was also tremendously helpful to no longer have to personally deal with the anxiety created by the constant bombardment of arguments and requests from the insurance company.&#8221;<br><strong><strong>\u2013<\/strong> Analytics Consultant in Iowa with a Denied Disability Claim<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"challenging-an-unjust-denial-of-long-term-disability-benefits\">Challenging an Unjust Denial of Long-Term Disability Benefits<\/h2>\n\n\n\n<p>If you believe your disability claim was unjustly denied and you are eligible for benefits, don&#8217;t accept the denial without question. It&#8217;s possible to appeal the insurer\u2019s ruling and receive the benefits you rightfully deserve.<\/p>\n\n\n\n<p>You can appeal on your own, but you take the risk of overlooking important details or leaving out crucial information. There is no reason to take this risk when Ortiz Law Firm, a national disability law firm, stands ready to assist you.<\/p>\n\n\n\n<p>Since 2012, Ortiz Law Firm has helped clients nationwide recover their denied disability benefits. We have represented claimants in claims with <a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/new-york-life\/\">New York Life<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/lincoln\/\">Lincoln Financial<\/a>\/<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/liberty-mutual\/\">Liberty Life<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/reliance-standard\/\">Reliance Standard<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/prudential\/\">Prudential<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/hartford\/\">The Hartford<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/the-standard\/\">The Standard<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/metlife\/\">MetLife<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/guardian-life\/\">Guardian<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/unum\/\">Unum<\/a>,&nbsp;<a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/sun-life\/\">Sun Life<\/a>, and various other disability insurance companies.<\/p>\n\n\n\n<p><strong>We can help you fight back against an unjust denial.<\/strong> To receive a free, no-obligation case evaluation, complete our online <a href=\"https:\/\/www.nickortizlaw.com\/contact\/\" data-type=\"page\" data-id=\"6\">contact form<\/a> or dial <strong><a href=\"tel:8883218131\">(888) 321-8131<\/a><\/strong> today. Our experienced legal team will listen to your story and inform you about your legal rights. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list faq-list\">\n<div id=\"faq-question-1701706793573\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">How do I know if I qualify for long-term disability benefits?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p><strong>Examine the terms and conditions of your policy<\/strong> to see if you meet your insurer&#8217;s criteria for being classified as &#8216;disabled.&#8217; If you suffer from a medical condition that qualifies as a disability, you should submit a claim to your insurance company.<\/p>\n<p>If your claim is rejected, we may be able to help you obtain the benefits you deserve by guiding you through the appeal process. Contact us today to learn more about how we can help you.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701706799720\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">What are the requirements to qualify for long-term disability?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>To be eligible for extended disability coverage, you need to have <strong>a medically verified condition that inhibits your ability to work<\/strong> and aligns with the criteria for disability as outlined in your insurance policy. The criteria for eligibility and the conditions considered valid can differ depending on the insurance company. Therefore, it&#8217;s crucial to closely read and understand the stipulations in your specific policy to know what qualifies you for disability benefits.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701706859821\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">What if I can only work part-time?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>If your medical conditions prevent you from working full-time, but you can still work part-time, <strong>you\u2019ll need to check your insurance policy to ensure benefits are payable for partial disability<\/strong>. The exact definition of partial disability will vary between policies. Some policies may not pay any benefits for partial disability. If you\u2019re unsure if your policy includes benefits for partial disability,\u00a0request a free case evaluation.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701706860766\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">What medical conditions qualify for long-term disability?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>Long-term disability usually involves health issues that lead to limitations affecting one&#8217;s capacity to perform occupational duties or everyday tasks. Every policy is different, and the severity of your condition is also a factor. However, <strong>the following conditions are generally eligible for disability coverage<\/strong>: <\/p>\n<p> &#8211; Anxiety<br \/> &#8211; Arthritis<br \/> &#8211; Bipolar disorder<br \/> &#8211; Cancer<br \/> &#8211; Carpal tunnel syndrome<br \/> &#8211; Chronic fatigue syndrome (CFS)<br \/> &#8211; Crohn\u2019s disease<br \/> &#8211; Degenerative disc disease<br \/> &#8211; Depression<br \/> &#8211; Diabetes<br \/> &#8211; Epilepsy<br \/> &#8211; Fibromyalgia<br \/> &#8211; Heart disease<br \/> &#8211; Herniated disc<br \/> &#8211; Lupus<br \/> &#8211; Multiple sclerosis (MS)<br \/> &#8211; Post-traumatic stress disorder (PTSD)<br \/> &#8211; Spine disorders<br \/> &#8211; Stroke<\/p>\n<p>While both physical and mental health issues may qualify for long-term disability benefits, examining your plan is crucial to understand the conditions covered and any exclusions or limitations that may apply to your claim. <\/p>\n<p>If you&#8217;ve been denied benefits, remember that you only have a limited time to initiate an administrative appeal. If you want to speak with our legal team, dial <strong><a href=\"tel:8883218131\">(888) 321-8131<\/a><\/strong>.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701706862616\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">Will the insurance company obtain my medical records?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>The burden of proof falls on the claimant. This means that <strong>you must show that your\u00a0condition\u00a0has impacted you in such a way that you are unable to work.<\/strong> You are expected to provide medical evidence to support your claim during the claims process.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701706974037\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">Why are long-term disability claims denied?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>Long-term disability claims can be denied for various reasons. Your insurer will be looking for any reason to avoid paying your claim. Some of the <strong>most common reasons for denial<\/strong> include:<\/p>\n<p> &#8211; There is not enough evidence to support your claim.<br \/> &#8211; You did not file your application on time.<br \/> &#8211; You did not submit supporting medical evidence on time, and<br \/> &#8211; <a href=\"https:\/\/www.nickortizlaw.com\/pre-existing-conditions\/\">Your condition is considered pre-existing under the terms of the policy.<\/a><\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701707005833\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">Can I appeal a long-term disability claim denial?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>If your deadline to file an appeal has not passed, you can file an appeal. <strong>A claimant usually has 180 days to appeal a denied claim.<\/strong> You can contact our office to learn more about how to appeal.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701707006775\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">What is the long-term disability appeal process like?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>Typically, the appeal process includes your lawyer compiling proof to strengthen your case, submitting your appeal to the insurance provider, and serving as your legal advocate if your case proceeds to a hearing or trial. The steps might vary depending on whether your disability claim is subject to <a href=\"https:\/\/www.nickortizlaw.com\/ltd-faq\/what-is-erisa-and-what-does-it-have-to-do-with-my-ltd-claim\/\">ERISA (Employee Retirement Income Security Act) regulations<\/a>.<\/p>\n<p><strong>Our experienced legal team specializes in long-term disability denials.<\/strong> We can manage every phase of the appeal process for you, including evidence collection, submitting the appeal, or initiating a lawsuit. <\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701707007631\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">How long will I receive long-term disability benefits?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>Short-term disability coverage typically expires after a maximum of six months. In contrast, long-term disability insurance aims to offer protection over extended durations,<strong> often lasting for multiple years or until retirement.<\/strong><\/p>\n<p>Some LTD policies place <strong>a maximum payout duration on \u201cnon-verifiable\u201d conditions, <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/ltd-glossary-key-terms-in-policy\/self-reported-symptoms-limitation\/\">\u201cself-reported symptoms\u201d<\/a> conditions, <a href=\"https:\/\/www.nickortizlaw.com\/long-term-disability-claims-for-musculoskeletal-disorders\/\">musculoskeletal disorders<\/a>, and\/or chronic illnesses<\/strong> such as arthritis, back pain, fibromyalgia, migraine headache disorders, and carpal tunnel syndrome. <\/p>\n<p>Conditions associated with lifestyle choices like COPD\u00a0from tobacco use, alcoholism, or other diseases related to drugs or alcohol use could result in termination of benefits after <strong>24 months or less.<\/strong> Check your policy for limitations based on these types of conditions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1701707129143\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">What is the leading cause of long-term disability?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>According to the <a href=\"https:\/\/disabilitycanhappen.org\/research-cda_ltd_claims_survey_2011\/\" target=\"_blank\" rel=\"noopener\">Council for Disability Awareness<\/a>, <strong>the primary reason for long-term disability claims stems from conditions affecting the muscles and bones<\/strong>, such as back pain and arthritis.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1704913892435\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question faq-title\">Why should I hire a long-term disability lawyer?<\/h3>\n<div class=\"rank-math-answer faq-content\">\n\n<p>Engaging the services of an attorney specializing in long-term disability claims can be a tremendous relief. They can advise you on the best next step for your claim, manage your appeal, and simplify the legal process during a stressful period.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>When faced with a disabling medical condition, discovering whether it meets the requirements for long-term disability benefits is a vital step in the process. Knowing the specific criteria for eligible conditions can help individuals assess their options and take necessary steps to secure financial support.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3218,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/2224"}],"collection":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/comments?post=2224"}],"version-history":[{"count":0,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/2224\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/3218"}],"wp:attachment":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/media?parent=2224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}