Trusted Nationwide Long-Term Medical Condition Disability Insurance Claims Attorneys

At Disability Insurance Law Group, our nationwide long-term disability insurance claims lawyers represent individuals suffering from medical conditions that make them eligible for benefits under their unique insurance policies.

The question we often get is, “Does my medical condition qualify for long-term disability benefits?” The answer is much more complicated.

To qualify for long-term disability benefits, you must demonstrate that your medical condition prevents you from:

• Performing the material and substantial duties of your occupation, if your policy contains an “own occupation definition.”
• Performing any gainful occupation for which you are reasonably suited by education, training, or experience if your policy contains an “any occupation definition.”

Medical evidence, including diagnostic tests, treatment records, and opinions from healthcare providers, must support your inability to work.

Next, long-term disability benefits are intended for individuals whose disabilities are expected to last for an extended period, typically lasting longer than a few months or even permanently. You must provide evidence demonstrating the long-term nature of your disability and its expected duration.

Finally, different insurance policies have different definitions of disability, waiting periods, exclusions, and limitations that affect eligibility for benefits.

If you are unsure whether the terms of your policy and how they apply to your situation make your medical condition eligible for long-term disability insurance benefits, contact our experienced, nationwide disability insurance claims attorneys today to discuss your policy details and the overall requirements to pursue a successful outcome. We provide free consultations to all long-term disability insurance policyholders, no matter where they live or work in the U.S.

What Types of Medical Conditions Qualify as Long-Term Disabilities?

Whether a condition qualifies as a long-term disability often depends on its severity, duration, and impact on the individual’s ability to perform essential activities of daily living or maintain gainful employment.

While not an exhaustive list, common medical conditions that qualify for long-term disability insurance may include:

• Ataxia.
• Back Disorders.
• Bipolar Disorder.
• Cancer.
• Carpal Tunnel Syndrome.
• Cerebral Atrophy.
• Chronic Fatigue Syndrome.
• Chronic Pain.
• Cognitive Limitations.
• Crohn’s Disease.
• COPD.
• Depression and Anxiety.
• Diabetes.
• Ehlers Danlos Syndrome.
• Epilepsy.
• Epstein Barr.
• Eye Disorders.
• Fibromyalgia.
• Gastrointestinal Disorders.
• Headaches and Migraines.
• Hearing Impairment.
• Heart Disease.
• Hepatitis C.
• HIV/AIDS.
• Kidney Disease.
• Knee Disorders.
• IBS.
• Insomnia.
• Lyme Disease.
• Long-Haul COVID-19.
• Lupus.
• Macular Edema.
• Meniere’s Disease.
• Multiple Sclerosis.
• Neck and Cervical Disorders.
• Non-Epileptic Seizures.
• Osteoarthritis.
• Parkinson’s Disease.
• Peripheral Neuropathy.
• Psychosis.
• PTSD.
• Rheumatoid Arthritis.
• Shoulder Disorders.
• Sleep Apnea.
• Speech Disorders.
• Stroke.
• Substance Abuse.
• Syncope.
• Vestibular Dysfunction.

While the specific criteria for qualification may vary depending on the insurance policy, qualifying for long-term disability benefits will require medical documentation, functional assessments, and other evidence demonstrating the limitations imposed by the condition.

Contact Our Nationwide Insurance Claims Attorneys Today

If you have questions about qualifying for long-term disability benefits, our experienced nationwide insurance claims attorneys will review your policy, medical condition, and the overall requirements to pursue a successful claim by calling 954-989-9000 or online to schedule a completely free and confidential case assessment so we can put our over 50 years of combined experience to work for you.