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Common Disabilities that Qualify You for Long-Term Disability (LTD) Coverage

When you are unable to work, managing your finances and supporting your loved ones can be difficult and stressful.  For this reason, many employers provide long-term disability (LTD) insurance to their employees.  You may also have your own individual long-term disability insurance that you purchased yourself.

There are a wide range of conditions, illnesses, and disabilities that qualify for long-term disability coverage.  At Chisholm Chisholm & Kilpatrick, our attorneys have years of experience helping clients obtain LTD benefits.  We can assist you in filing a claim with your insurance company or appealing a denial of benefits.  We want you to get the benefits you deserve.

Your eligibility for long-term disability benefits will depend on your policy, so it is important to read your plan-governing documents carefully.  Throughout CCK’s decades of practice, we have helped clients obtain long-term disability coverage for a range of conditions, including:

Cancers

Cancer is an uncontrolled growth or production of abnormal cells in the body which invade healthy tissue and organs.  Many types of cancer may qualify you for long-term disability benefits, but some of the most common cancers include:

  • Breast cancer;
  • Lung cancer;
  • Leukemia;
  • Melanoma; and
  • Lymphoma

Autoimmune Disorders

An autoimmune disorder is a condition when your body’s immune system, which protects you against foreign viruses and infections, mistakes its own tissue as foreign.  When this occurs, your immune system will attack its own healthy tissue and damage your body.  Common autoimmune disorders include:

  • Multiple sclerosis;
  • Lupus;
  • Rheumatoid arthritis; and
  • Type 1 diabetes.

Neurological Disorders

A neurological disorder is a disease of the central and peripheral nervous system, which includes the brain, spinal cord, nerves, and muscles.  Common neurological disorders that can result in impairment include:

  • Stroke;
  • Epilepsy;
  • Narcolepsy;
  • Peripheral neuropathy; and
  • Bell’s palsy.

Mental Illnesses

Mental health disorders are conditions that commonly involve changes in mood, thought process, or behavior.  Several mental health disorders may qualify you for long-term disability benefits, such as:

  • Depression;
  • Anxiety;
  • Bipolar disorder;
  • Post-traumatic stress disorder; and
  • Personality disorders.

Chronic Illnesses

Chronic conditions are broadly defined as conditions that persist over a length of time and require ongoing medical attention.  Some conditions that are often chronic and can qualify for long-term disability benefits include:

  • Fibromyalgia;
  • Irritable bowl syndrome;
  • Asthma;
  • Chronic lung disease;
  • Kidney disease; and
  • COPD

Degenerative Diseases

A degenerative disease is a disease in which the structure of tissues and cells in an organ deteriorates over time.  Some degenerative diseases include:

  • Huntington’s disease;
  • Osteoarthritis;
  • Parkinson’s disease; and
  • ALS

Other Conditions

Some additional conditions or symptoms that may make you eligible for long-term disability benefits include:

  • Deafness or hearing loss;
  • Blindness or vision loss;
  • Certain long-term injuries;
  • Chronic pain; and
  • Chronic fatigue.

 

Note that many of the above conditions may overlap in category, and qualification for long-term disability is dependent on the terms of your specific policy.  Numerous other conditions qualify, and conditions in combination with each other can also make you eligible for long-term disability benefits.

Chisholm Chisholm & Kilpatrick Can Help You with Your LTD Claim

If you have a condition that qualifies you for long-term disability insurance, you will have to submit medical documentation that proves your condition meets your policy’s definition of disability.  We at CCK understand that managing a debilitating health condition is tough.  Moreover, we know that filing for long-term disability benefits while taking care of your health can be a burden.  Let our experienced legal team take care of the process for you.

A long-term disability attorney from Chisholm Chisholm & Kilpatrick is ready to assist you.  Call us today at (800) 544-9144 for a free consultation with a member of our team to see how we may be able to help you.