Obtaining long-term disability (LTD) benefits involves a tough and frustrating process. You may not be sure if your medical condition is covered, what medical conditions are not included, and how serious your symptoms need to be to get approved for benefits. The majority of LTD insurance policies are confusing because they are not written in plain language and they have specific definitions of disability, exclusions, and limitations. To determine if your condition meets the requirements of your policy, have a disability attorney review your policy. You can find a good attorney when you click here.
Common Misconceptions About LTD
When it comes to LTD benefits, there are a lot of things that claimants do not understand. That is why they can fall into the traps of common myths. These include the following:
- A physical injury should cause your disability. A lot of people think that they must have a physical injury to qualify for disability benefits. The truth is that a variety of medical conditions are disabling. They usually cover conditions such as infectious diseases, digestive disorders, neurological disorders, mental and psychological disorders, and autoimmune disorders.
- The policy should specifically list your disability. While your insurance policy has a list of medical conditions that qualify, it doesn’t have a list of all potential injuries or illnesses that could qualify. Sometimes, disability can result from different illnesses or injuries.
- A diagnosis automatically qualifies you for disability benefits. Just because you are diagnosed with a medical condition does not automatically mean you are eligible for disability benefits. You need to provide as much medical evidence as possible to get your disability claim approved. Your ability to get LTD benefits for a condition depends on factors like the seriousness of your symptoms, the policy’s definition of disability, and the type of work you do.
Medical Conditions that Automatically qualify
Usually, insurance companies will closely scrutinize claims before they determine eligibility. But some conditions are disabling enough to automatically qualify for disability benefits. If you suffer from these conditions, you don’t have to show the nature, extent, or effects of your injury. These include amputation, total blindness, and total deafness. But remember that policy language can vary, so an insurance company may still dispute your claim.
Importance of Working with a Skilled Disability Attorney
The disability claim process is strict and complicated. Because of this, you must hire an LTD to help you navigate the complexities. They can review your policy, build strong medical evidence to support your claim, and help you get the benefits you deserve.