Which Conditions Entitle For Long-Term Disability Benefits?


Health and well-being can be prime factors in many people’s lives. However, some people neglect their health until a severe medical condition arises. Some health or medical conditions, such as disability, can be challenging. Disability can permanently disable one from earning an income. 

One can rely on long-term disability(LTD) benefits in such cases. Long-term disability insurance can provide financial assistance to employees who cannot work for an extended period due to an illness, injury, or accident. There are certain conditions that qualify for LTD. It would benefit you to be aware of this set of conditions. 

Requirements for a long-term disability claim: 

Before you learn the conditions that allow one to file for long-term disability benefits, it would be beneficial if you first became familiar with the requirements. Firstly, a person will be eligible for LTD benefits if they pay for a long-term disability insurance plan. Without an insurance plan, one will not be able to claim LTD benefits. 

Secondly, a person must have a particular medical condition that qualifies as a disability under insurance coverage. If you satisfy both requirements, you can start filing a claim for long-term disability with the respected insurance policy. It would be mandatory to meet these requirements. Otherwise, you might be unable to file a claim even after being disabled, injured, or diseased. 

Medical illnesses that may permit a long-term disability 

Contrary to what many might believe, long-term disability insurance covers several medical conditions apart from people who have been physically injured from an accident and cannot work or generate an income. Below are some medical conditions that would qualify one to claim long-term disability benefits after being disabled or facing a severe medical condition. 

  1. Cancer 
  2.  Lupus 
  3. Bipolar disorder 
  4. Degenerative disc disease 
  6. Fibromyalgia
  7. Crohn’s disease 
  8. Multiple sclerosis(MS)
  9. Chronic fatigue syndrome

The medical disorders listed above may likely allow a diseased person to claim the benefits, given that their insurance covers them. However, qualifying conditions can vary for each insurance policy. You should know that before filing for a disability claim, you must understand how your insurance company may define a disability. 

You can find the definition of a disability from an insurance company by carefully reading your insurance policy. You can also hire a disability lawyer if you need legal and professional help filing a disability claim. It will be advisable to hire an attorney as they can help you avoid any blunders during the claim that would otherwise result in an unfavorable scenario. 

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