If you were unable to work, manage your finances, and support your family, rest assured you would have a stressful life. As a result, several employers provide long-term disability or LTD insurance to employees. You could also have bought personal long-term disability insurance.
Regardless of the type of long-term disability insurance, you have purchased, such insurance would aim to help you through monthly issuance of payments provided your disability debars you from working. However, to avail of full benefits, you should adhere to the conditions that qualify for LTD in the United States.
Conditions that qualify for LTD benefits
A wide range of conditions, disabilities, and illnesses qualify for long-term disability or LTD coverage. An experienced and expert law firm having adequate knowledge of the law would help the clients to achieve long-term disability benefits. They would help you file the claim with your insurance company appealing for denial of benefits. They would help you seek the deserved disability insurance benefits.
Common disabilities under long-term disability coverage
To become eligible for long-term disability benefits, consider going through the policy or plan documents. Therefore, it would be important for you to go through your insurance policy carefully. Your disability attorney would help you acquire long-term disability coverage for a range of medical conditions. Some of the conditions have been listed below.
- Cancer – breast cancer, lung cancer, melanoma, leukemia, lymphoma
- Autoimmune disorder – Type 1 diabetes, rheumatoid arthritis, lupus, multiple sclerosis
- Neurological disorders – migraines, epilepsy, stroke, Bells palsy, peripheral neuropathy
- Mental illness – anxiety, depression, personality disorders, PTSD
- Chronic illness – Heart disease, kidney disease, chronic lung disease, asthma, fibromyalgia
- Degenerative disease – Parkinson’s disease, osteoarthritis
Other conditions qualifying for long-term disability benefits would be inclusive of –
- Chronic fatigue
- Chronic pain
- Certain long-term injuries
- Vision loss or blindness
- Hearing loss or deafness
It would be pertinent to mention here that several conditions might overlap in specific categories. Moreover, the qualifications for long-term disability have been dependent on the terms of your particular policy. Several conditions would qualify along with conditions in combination with one another could also make you eligible for long-term disability benefits.
To achieve the disability benefits, your best bet would be to submit all medical documents proving that your condition meets the definition of disability in your policy. You would also be required to meet the deadlines. A missed deadline could result in the loss of benefits.