A lot of medical conditions qualify a person for long-term disability (LTD) benefits when serious enough. These conditions include back and neck issues, epilepsy, multiple sclerosis, cancer, and Parkinson’s disease. But usually, a person becomes disabled because of a combination of impairments. Furthermore, the medical issues of a claimant may be compounded by fatigue or chronic pain and by their potent medication’s negative side effects. So, what medical conditions that qualify for LTD? Keep reading to know the answer:
Common Disabilities that Qualify for LTD Benefits
A claimant’s eligibility for LTD benefits depends on their policy or plan documents. Thus, they need to read their policy carefully. Also, they must work with an experienced LTD attorney who can help them secure LTD coverage for different medical conditions such as:
- Cancer. A lot of kinds of cancer may qualify for LTD benefits. They include breast cancer, leukemia, lung cancer, melanoma, and lymphoma.
- Autoimmune disorders. These disorders occur when the immune system of the body mistakes its tissue as foreign. As a result, the system will attack the healthy tissue and damage the body. They include multiple sclerosis, type 1 diabetes, rheumatoid arthritis, and lupus.
- Neurological disorders. These disorders affect the central and peripheral nervous system including the muscles, nerves, brain, and spinal cord. They can lead to impairment such as epilepsy, stroke, Bell’s Palsy, peripheral neuropathy, and migraines.
- Mental health disorders. These disorders involve changes in a person’s behavior, thought process, and mood. Depression, anxiety, personality disorders, post-traumatic stress disorder, and bipolar disorder may qualify a patient for LTD benefits.
- Chronic illnesses. Conditions such as fibromyalgia, asthma, kidney disease, chronic lung disease, and heart disease may qualify a person for LTD benefits.
Getting an LTD Claim Approved
Those who are suffering from a condition that qualifies them for LTD benefits must submit medical documentation to the insurance company. This documentation must prove the condition meets the policy’s definition of disability. Claimants must understand the definition and the policy’s requirements to make sure they submit all important evidence.
In addition, all deadlines must be met to avoid losing benefits. Also, claimants must seek supplemental evidence aside from their medical records. This evidence can include independent medical and vocational expert evaluations, doctors’ personal notes, and witness statements.
While a claimant can apply for benefits by themselves, they can benefit from the expertise of an LTD attorney. Insurance providers are often hard to deal with and understanding the policy’s requirements and the laws that surround a claim.