It’s a popular notion that only injuries caused by severe accidents are liable for long-term disability benefits. However, this is not the case. Many physical and psychological conditions potentially qualify for these benefits.
LTD benefits when offered by the employer cover for you when you can’t work anymore. They ensure you keep receiving a good percentage of your salary despite being unable to work. If not provided with LTD benefits, you can avail it from insurance companies.
A few conditions that qualify for LTD conditions include:
1] Medical conditions
Various medical conditions make you applicable for LTD benefits. One major requirement is that the medical condition should be grave enough to prohibit you from working or pursuing any occupation. In such a situation, you need compensation that will keep your livelihood intact. Generally, a combination of factors affects the body collectively and makes it difficult to work.
The overall impact of your condition should be taken into account. This could include chronic pain, fatigue, medications, and side effects. A few medical conditions include-
▪︎Diseases of the digestive system which incorporate Colitis, Gastritis, Hernia, Gastroparesis, Inflammatory Bowel Disease (IBD), etc.
▪︎Diseases of Musculoskeletal System which include Amputation, Arthritis, Cervical Stenosis, Chiari Malformation, Degenerative Disc or Joint Diseases, Dislocations and Fractures, etc.
▪︎Diseases of the Nervous System which incorporate Alzheimer’s Disease, Bell’s Palsy, Cerebral Palsy, Empty Sella Syndrome, Dystonia, Epilepsy, Guillain-Barre Syndrome, etc.
Even psychological, immune, genital, skin, cardiovascular infections, cancers, and almost anything and everything that hampers your everyday functioning, restricts you and makes it almost impossible for you to work; come under the long-term disability benefits.
2] Proof of disability
Only being a victim to the condition doesn’t suffice. There should be enough proof of it restricting your working capability. Every insurer has a different definition of disability; their policy determines the benefits you receive. Your doctor’s opinion plays a crucial role too. The reports provided by your doctor portray the severity of your damages and their authenticity is unquestionable. This data includes lab results, surgical reports, x-rays, clinical reports, etc.
The insurance companies try to find loopholes in your case to deny the LTD benefits since it requires the insurer to pay you your compensation. When you possess the assistance of an attorney, you can present your case efficiently before the insurance company and ensure you get the best of benefits.
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