How Can I Qualify for Long-Term Disability Benefits?

How Can I Qualify for Long-Term Disability Benefits?

Feb 24, 2022

Life and Health Insurance

How Can I Qualify for Long-Term Disability Benefits?

If you've suffered a serious injury, physical and mental rehabilitation can be challenging. While this may be a frustrating time, it's important that you know that you are entitled to benefits. Here's a guide to help you see if you qualify for long-term disability benefits.

Long-Term Disability Benefits Explained

Long-term disability insurance allows you to receive benefits if you are unable to work due to an injury sustained on the job. The policy provides you with a portion of your lost wages since you cannot work. You should qualify for long-term disability benefits if you have a medical condition classified as a disability under your insurance policy or file a claim for long-term disability with your insurer.

Common Medical Conditions

There is a misconception that long-term disability insurance is only available to people who are injured in an accident and aren't able to work because of that. However, if you are diagnosed with certain medical conditions, you may qualify for long-term disability insurance. Common conditions that qualify for long-term disability benefits include cancer, bipolar disorder, HIV, Crohn's disease, and multiple sclerosis. Keep in mind that qualifying conditions will vary as per the policy. You may still qualify for benefits even if you have been diagnosed with a unique condition. Before filing a disability claim, make sure that you have a clear understanding of how your insurance provider defines a disability. Read over your insurance policy carefully.

Filing a Claim

To prove that you are eligible for long-term disability benefits, you'll have to provide complete details regarding your condition. Your insurer will ask for the results of any tests and other documents. Make sure that you have proper documentation in place to support your claim.

What Happens If You're Denied?

If your disability claim has been denied, but you believe that you are entitled to benefits, hire a disability claims attorney who will advise you on the next steps you should take. Your attorney will handle the appeal process for you and answer any questions that you have.

Consult with East End Insurance Agency

Filing for long-term disability can be a lengthy and complicated process. However, it's important to stay determined. At East End Insurance Agency, we are always ready to help you get the benefits you deserve. If you have concerns regarding your long-term disability insurance, contact our team right away!

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