Get long-term disability coverage

A long-term disability is an injury, illness, or medical condition that affects a personal for 6 months or more, preventing them from working their usual job, at their usual pace, or making their usual income.

long-term disability

You might be wondering what long-term disability is. Long-term disability benefits are important to every employee with a medical condition that affects, prohibits, and impairs their ability to work. Do you want to know if your medical condition qualifies for disability coverage? What options should you consider when making a long-term disability claim? Stick around and you’ll find out.

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Are you eligible for LTD benefits?

If you are a disability claimant, you should find a good law firm to help you get these benefits. When someone cannot work due to health issues, it is safe to buy a long-term disability policy that will pay a percentage of your income. Sometimes an employer might offer such benefits to their employees. Before you start enjoying the long-term disability benefits, you must have been out of work for three to six months. You should know that some policies will limit the length of time for the coverage. 

What conditions qualify as LTD?

  • Epilepsy.
  • Diabetes.
  • Anxiety.
  • Cancer.
  • Asthma.
  • Chronic pain.
  • Brain injury.
  • Depression.
  • Covid-19.
  • Bipolar disorder.
  • Migraines.
  • Heart disease.
  • Eye disorders.
  • Kidney disease.
  • Rheumatoid arthritis.
  • Parkinson disease.
  • Obesity.
  • Narcolepsy.
  • Multiple sclerosis.
  • Stroke.
  • Psychosis.
  • Peripheral neuropathy.
  • Spinal stenosis.
  • Sleep disorders.
  • Lupus.
  • Hepatitis.
  • Post-traumatic stress disorder.

Some medical conditions that qualify for LTD may not be listed above, but you may be eligible. Provide well-documented medical evidence to get coverage. For you to enjoy the full benefits, a qualified physician should conduct the medical diagnosis.

To avoid rejection or delay, ensure all your documentation are ready, and your files lack minor errors. Your medical record should clearly state the extent or effects of your disability. A lawyer will help you get all your documents well ordered to avoid issues with the insurance company. It can be a problem if the insurance company fails to see the link between the applicant’s medical condition and how it affects their ability to work. The best attorney should establish a link by supporting your claim with comprehensive medical evidence and a strong legal argument. 

Options to consider when purchasing a policy.

  1. Return of premium.

The insurance company should refund a part of your premium if you fail to claim for a while as stated in the policy.

  1. Coordination of benefits.

The number of benefits you receive due to your disability determines the amount you will get from the insurance company.

  1. Additional purchase options.

After a while, the insurance company should allow you to buy additional insurance.

  1. Cost of living adjustment.

When the cost of living rises, your disability benefits increase over time. You will have to pay a higher premium for this option.

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Long-term disability benefits are helpful for people with medical conditions that prevent them from working. Diabetes, asthma, heart disease, cancer, depression, brain damage, sleep disorders, and rheumatoid arthritis are the medical conditions that make you eligible for the benefits. All your documentation and files should not have any errors to increase your chances of getting covered. You should consider additional purchase options, return of premium, cost of living adjustment, and coordination of benefits before purchasing a policy.

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