It is important to understand the various types of long-term disability claims to know whether you can quality for long-term disability benefits. Depending on where you live, the list may vary, nonetheless, let us review some of the most common long-term disability claims.
Cancer
Many insurance companies will pay long-term disability benefits for cancer claims, however, there are also some that will cover only certain types of cancer. That is why you it is important to understand what is covered by the insurance and to have an understanding of the issues that can arise. It’s important to see what’s in your policy manual, just to be on the safe side, as that will help significantly. Please get in touch with us at Badre Law for more details.
Chronic illnesses
There are many chronic illnesses that will make you unable to perform your duties at work. Multiple sclerosis, diabetes, chronic pain syndrome, complex regional pain syndrome, migraines, crones disease, or gastrointestinal disorders are a great example here, and you must address all of them as quickly as possible. This is of the most common long-term disability claim types.
Psychological illnesses
You will notice that many long-term disability claims focus on psychological illnesses as well. These can vary from schizophrenia to borderline personality disorder, adjustment disorder, major depressive disorder, obsessive compulsive disorders and others.
Brain injuries
Needless to say, brain injuries are some of the common long-term disability claims because they can appear after accidents or even randomly, after turmoil and bad events in a person’s life. That being said, they can also include concussions, which are known to be very problematic and challenging to deal with. Brain injuries can lead to symptoms and problems that will hinder a person’s ability to function properly during the day. The symptoms include things like physical functioning impairment, cognitive ability impairments and many others.
Orthopedic issues
Orthopedic problems are challenging because they can result in a lot of pain. Most of them lead to distractions. On top of that, due to the pain medication, you might not be able to fulfill your job duties, which is something to keep in mind. These include problems like nerve root impingement, bulging disks, fractures and even degenerative disk disease, depending on the situation.
Chronic pain
Like many long-term disability claims listed above, this type of pain is also known to hinder a person’s ability to perform their duties properly. With that being said, there can be a connection between this type of pain and psychological problems. Post-surgical pain, myofascial pain, chronic fatigue, fibromyalgia and arthritis can lead to chronic pain and you can file a claim based on that.
Conclusion
It’s extremely important to address these issues properly and to document them with the medical practitioners right away. This way you can file a long-term disability claim as quickly as possible. Make sure that you follow the right procedure and hire a lawyer to ensure that you file everything properly. Working with a professional helps increase your chances of success, while making sure that you present all the evidence and information that’s vital if you want your claim to be accepted.
