How to do Long-term Disability Insurance

 

 

Many people think that long-term disability insurance is for people who have a physical injury in an accident and cannot work as a result of their injury. Even though it’s true, you need to know that there are many medical conditions that allow you to receive disability payments from your insurance company. These include chronic diseases, neurological disorders, and certain degenerative diseases.

What is long-term disability insurance? Long-term disability insurance covers part of the employee’s income (around 50-70%) when the employee is injured or seriously ill.

Some medical conditions that may make you eligible for long-term disability benefits include, but are not limited to:

  • Cancer
  • Bi-polar disorder
  • Crohn’s disease
  • Chronic Fatigue Syndrome
  • Degenerative Disc Disease
  • Fibromyalgia
  • HIV / AIDS
  • Lupus
  • Multiple Sclerosis
  • Anxiety
  • Asthma
  • Irritable Bowel Syndrome (IBS)
  • Post-Traumatic Stress Disorder (PTSD)
  • RSD/Complex Regional Pain Syndrome
  • Chronic Obstructive Pulmonary Disease (COPD)
  • Headaches/Migraines
  • Macular Degeneration
  • Multiple Sclerosis (MS)
  • Vestibular Dysfunction

And you need to remember, this is the duty of an insurance company to prove that you are not eligible for long-term disability benefits under the terms of your policy. You can be sure that they will ask for every last detail of your condition, including medical records, laboratory tests, and other documentation. Your insurance company might even try to reject your long-term disability claim by misclassifying your disease – for example, they might insist that your disability is a psychological condition when it is truly a chronic disease.

Before making a long-term disability claim, it is important to understand how your insurance company defines disability. This information can be found by reading your policy carefully.

 

Need to hire a long-term disability insurance lawyer?

When faced with a confusing process of long-term disability insurance claims, many consumers feel defeated because of the time and effort needed to make an insurance company pay. Do not risk losing your appeal technically or because you don’t have the right information. if you need a lawyer, we advise you to contact Florida long term disability lawyer. you can consult with them and of course later they will help you to overcome your problems. Work with a long-term disability claim attorney to advise you and handle your claims giving you peace of mind, making the process easier for you during this difficult time.