Qualifying Medical Conditions For Long-Term Disability

For many, the term "disability" conjures up very specific images — for example, being permanently paralyzed or having another medical condition that drastically limits even basic motor skills.

When it comes to long-term disability (LTD) insurance, however, "disability" takes on a much broader definition. There are many physical and mental conditions that can make it impossible for you to work. If you're on an employer-sponsored or self-purchased long-term disability plan, my firm is here to make sure you get the benefits you need.

Physical Conditions That Can Qualify You For LTD Benefits

Whether injuries resulting from an accident, conditions arising from years on the job or a sudden illness, physical ailments can quickly make it impossible for you to work. According to long-term disability benefits provider Unum, five of the six most common causes of LTD claims are physical disorders:

  • Cancer
  • Noninjury back disorders
  • Other physical injuries
  • Circulatory system disorders
  • Joint disorders

These can include common conditions such as fibromyalgia, rheumatoid arthritis, multiple sclerosis, arrhythmia, high blood pressure and heart disease. When any of these conditions takes you off the job for an extended period of time, I can help you in obtaining your long-term disability benefits by filing an initial claim or appealing a denied claim.

According to group long-term disability provider The Standard, the average group disability claim lasts nearly three years. If you're out of work for this long, you can't afford to go without your LTD benefits.

Mental Conditions That Can Qualify You For LTD Benefits

Depression, anxiety and bipolar disorder are among the more common mental conditions that lead to long-term disability claims. These can be more difficult cases, however, as people often do not get the same kind of treatment they would for physical conditions that require immediate medical care.

My firm has experience helping people with legitimate mental conditions that prevent them from working. I ensure that their claims are well-prepared with all necessary documentation from the very beginning, maximizing the chance that a claim is approved and giving a client the best possible standing in the event a claim must be appealed on denial.

Contact Terence J. Kann, P.A. | Free Consultation

Contact my Gainesville firm to speak with an experienced long-term disability attorney about your case. Call 352-505-4790, toll free 866-544-3069 or send an email to arrange a free consultation with a lawyer.