Wednesday, September 28, 2022

What Conditions Qualify For Long Term Disability

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What Conditions Qualify As A Disability

Disabling Conditions and Long Term Disability Benefit Information

With more than 20 years of experience in this area of the law, we have significant experience with a wide range of disability insurance cases. We have seen many different types of disabilities and we are familiar with what conditions disability insurance challenge the most.

You can rely on us to help you if you suffer from any of the following disabilities:

  • Musculoskeletal system disabilities: Spinal disorders, carpal tunnel syndrome, amputation, disc disease, etc.
  • Senses loss: Loss of speech, vision loss, loss of hearing , or Meniere’s Disease.
  • Respiratory system disabilities: Chronic mycobacterial infections, COPD, lung transplant, etc.
  • Cardiovascular/cardiac disabilities: Heart transplant, heart failure, recurrent arrhythmia, etc.
  • Hematological disabilities: Sickle cell disease, chronic anemia, liver transplantation, etc.
  • Endocrine system disabilities: Obesity, adrenal gland disorders, pituitary gland disorders, etc.
  • Neurological disabilities: Parkinson’s, stroke, seizure disorder, Epilepsy, Cerebral Palsy, etc.
  • Mental disorders: Autism, Bipolar Disorder, depression, Schizophrenia, PTSD, etc.
  • Malignant neoplastic disease: Myelofibrosis, Lymphoma, Leukemia, cancer, etc.
  • Immune system disorders: Multiple Sclerosis, Lupus, Immune Deficiency, Scleroderma, etc.

Health Resources For People With Disabilities

Federal, state, and local government agencies and programs can help with your health needs if you have a disability.;

Visit USA.govs Government Benefits page to learn more about government programs and services that can help you and your family.

Contact Bross & Frankel Pa For A Free Claim Review

Interested in learning more about your claim? Our team of social security disability lawyers in Pennsylvania and New Jersey are ready to serve you at Bross & Frankel, P.A. Schedule a free, no-obligation claim review today. You can contact our office by calling 795-8880 or by sending us a message through our request form.

Speak with an experienced disability lawyer about your claim today.

  • Social Security Disability / SSI Claims
  • Veterans Disability Compensation & Pension
  • Long Term Disability Claims / ERISA Benefits
  • Workers Compensation Claims

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What Do Medical Conditions Qualify For Long

When a medical condition affects your ability to work and earn a living, long-term Social Security may be your only source of relief from financial hardship. The complex, and frequently confusing, rules, regulations, and procedures of the Social Security Administration add to the difficulty of determining whether your medical condition qualifies for benefits.

A Social Security disability attorney at The Clauson Law Firm, PLLC, provides legal advice and skilled representation to guide you through the process of qualifying for disability benefits, including helping you overcome hurdles that may stand in the way. Until you speak with an SSD lawyer, the following information about medical conditions that qualify for Social Security disability will help to increase your understanding of the process.

How Often Do You Get Paid For Short Term Disability

Conditions that Qualify for LTD Benefits

If you are there for 10 years and have a 26-week disability period, you might get three months at 100% and then three months at 50%. If you live in one of the five states where short-term disability benefits are mandated, then the amount youll be compensated will be regulated as well. 8. How Often Will You Receive Payments?

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Long Term Disability Insurance Benefits

Long term disability insurance is a type of insurance that covers a portion of an individuals income if they have become injured or ill. The coverage will not usually supplement someones income 100 percent, instead, long term disability insurance limits provide between 50 and 70 percent of a monthly salary.

The most significant difference between short-term and long-term disability benefits is that long-term benefits are measured in benefit periods of years rather than months. The benefit period usually begins a few months after making the claim. If needed, you can claim long term disability insurance for anywhere from two to ten years, or even until retirement age, based on individual policy terms of your LTD insurance and the type of disability claim you file. Typically, long-term benefits cover up to 60 percent of a persons gross monthly income.

According to U.S. Department of Labor statistics, most long-term plans have a maximum amount payable and the median maximum payout in 2014 was $8,000 per month.

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How To Apply For Long Term Disability

You apply for long-term disability benefits by filling out forms. In other words, you are submitting an application or claim. Then, you simply send the completed forms to the insurance company. After that, they assign an insurance representative to review your claim.

There are three forms you must fill out, or arrange to be filled out:

  • Notice of Claim You fill this out
  • Employers Report Your employer fills this out
  • Medical Report Your doctor fills this out

You can get these forms from your employer. If you are already dealing with the insurance company, then they may give them to you. But, its up to you to arrange for everyone to fill out the forms.

What to learn more about applying for long-term disability? Check out our 7-Step Guide on How to Apply for Long-term Disability

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How To Choose A Disability Policy That Fits Your Needs

If your employer offers STD insurance as mandatory or voluntary part of your employee benefit package, thats great but its just a start. You should also see if they offer a long term group plan; if youre self-employed you may be able to get coverage through a professional association. Either way, group insurance can be an excellent choice. The company or association is buying for a large group of people, so the premium is typically lower than for an individual policy. In addition, your HR department will likely have more expertise and leverage to negotiate favorable terms. On the other hand, youll probably have less opportunity to tailor the policy to your needs, compared to an individual policy. If the premiums are paid with pre-tax dollars then the income benefit you get down the road will typically be taxed. Finally, if you leave the company or association, in most cases youll also lose your coverage.

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Conditions That May Qualify For Long

Long Term Disability, Short Term Disability and Social Security Disability

A list of disabling conditions that may be considered by a long-term disability insurance company to qualify a claimant for benefits is below. These conditions often significantly interfere with one’s ability to obtain or maintain gainful employment. As a result, an individual may be eligible for disability insurance benefits.;

  • Thrombocytopenia

Cancers

  • Cancer, including Blood, Bone, Breast, Colon, Esophageal, Gastric, Kidney, Lung, Liver, Ovarian, Pancreatic, Prostate, Skin, Thyroid Cancer
  • Hodgkins Disease
  • Attention Deficit Hyperactivity Disorder
  • Anxiety Disorder
  • Neurocognitive Disorders
  • Obsessive-Compulsive Disorder
  • Post Traumatic Stress Disorder
  • Schizophrenia
  • Adrenal Gland Disorders, such as Addisons Disease
  • Diabetes
  • Pituitary Gland Disorders, like Cushings Disease
  • Thyroid Gland Disorders, such as Hashimotos or Graves Disease

Immune System

  • Allergic Reactions
  • Immune Deficiency Disorders, such as Ataxia-telangiectasia, Chediak-Higashi syndrome, Chronic Fatigue Syndrome, DiGeorge syndrome,;Hypogammaglobulinemia, Leukocyte adhesion defects, Brutons disease, Selective deficiency of IgA, Wiskott-Aldrich syndrome, Lupus
  • Poisoning or Chemical Sensitivity

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What Is The Difference Between Short

Disability insurance, sometimes called disability income insurance, covers an individual for loss of income due to a disability, which may be due to a physical injury, an illness, or a psychological disorder. Many people have a short-term or long-term disability policy through group insurance provided by an employer. These plans can also be purchased as part of a private or individual insurance policy.

What coverage is available with both short-term and long-term insurance varies depending on the policy. Each policy will include details such as:

  • how much you will receive
  • the maximum amount could be paid
  • the definition of disability
  • how long you will receive benefits
  • any limitations or exclusions preventing you from receiving benefits
  • the cost of extra coverage

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Conditions That May Qualify For Long Term Disability

So what medical conditions qualify for long-term disability? Below is a list of qualifying conditions that may be considered severe enough by disability insurance companies to qualify a claimant for short-term disability, long-term disability, or individual disability insurance benefits. These conditions and/or the necessary medical treatment can significantly interfere with an individuals ability to obtain and maintain gainful employment, thereby making such individuals eligible for disability insurance benefits.

  • Mycobacterial, Mycotic, and other Chronic Lung Infections
  • Pneumonia
  • Aplastic Anemia with Bone Marrow or Stem Cell Transplantation
  • Chronic Anemia
  • Trisomy X Syndrome
  • Fragile X Syndrome

You may still qualify for long term disability benefits even if your condition is not listed above. Each case is unique, so we encourage you to contact us for help determining whether will be able to access long term disability benefits. We will help you determine if you qualify to receive benefits under the terms of your insurance policy.

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What If I Can Only Work Part

If your medical conditions prevent you from working full time, but you can still work part-time, youll need to check your insurance policy to make sure benefits are payable for partial disability. The exact definition of partial disability will vary between policies. Some policies may not pay any benefits for partial disability. If youre not sure if your policy includes benefits for partial disability then contact us to request a free case evaluation.

Consider Working With A Nj Or Pa Disability Attorney

What Medical Conditions Qualify for Long Term Disability ...

If you believe you have a qualifying medical condition that was denied by your LTD insurance company, then it may be time to bring in a fierce advocate to assist you further. A disability attorney has the training, experience, and finesse to maximize your benefits while creating the best possible case.

At Bross & Frankel, P.A., our disability attorneys work tirelessly for residents of New Jersey and Pennsylvania who need LTD benefits immediately. You can schedule a free claim review to learn more about how we can help you. Request yours today by calling 795-8880 or by sending us a message.

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Do I Need Both Short Term And Long Term Disability Insurance

As you can probably tell, short term and long term disability insurance policies are designed to work together. Short term disability is intended to cover you immediately following a serious illness or injury, and long term disability insurance is intended to maintain income replacement if your condition keeps you out of work past the end of your short term disability benefit period, even to retirement, depending on your plan. If you have both short term and long term disability policies in place, short term disability will pay you benefits during the waiting period before your long term disability coverage begins, at which point youll transition from one policy to the next to receive benefits. For that reason, it makes sense to have both policies to help ensure an unexpected health problem wont derail your financial confidence for a few months or for several years.

Will My Insurance Company Require Me To File For Social Security Disability

If you’ve been approved for LTD benefits, almost all policies require you to file for Social Security Disability benefits as well. That’s because your insurance company can offset the amount you receive from Social Security against your monthly LTD payment. Because of this offset, your insurance company has a significant interest in seeing you approved for Social Security disability. It’s not uncommon for an insurance company to hire a disability attorney to represent you in your Social Security case.

Similarly, if you’re receiving LTD benefits based on an injury that occurred on the job, you may also be required to file for workers’ compensation. Like Social Security, any Workers’ Compensation payments you receive will offset your LTD benefits. It is important that you follow through on your Social Security and Workers’ Compensation claims if you wish to continue receiving LTD benefits.

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What We Mean By Disability

The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.

We consider you disabled under Social Security rules if all of the following are true:

  • You cannot do work that you did before because of your medical condition.
  • You cannot adjust to other work because of your medical condition.
  • Your disability has lasted or is expected to last for at least one year or to result in death.

This is a strict definition of disability. Social Security program rules assume that working families have access to other resources to provide support during periods of short-term disabilities, including workers’ compensation, insurance, savings, and investments.

What Medical Conditions Qualify For Short

Long Term Disability and Social Security Disability Claims

To qualify for short-term disability your medical condition must prevent you from doing your regular job duties. You must show how the symptoms or impairments from your medical condition interfere with your ability to perform you job duties.

To do this you will need to have an official list of your job duties. Then you can get your doctor review the list of duties and confirm that you cannot perform the majority of these duties because of your medical condition.

Most short term disaibltiy plans will require you to be continuously disabled for 7 days or so before you can qualify for benefits. This is called a waiting period or elimination period.

Following is an example of typical wording of the disability requirement for a short-term disability plan. Please note this is only an example, the exact wording is different for each plan:

An employee is entitled to payment of a short-term disability benefit if that employee proves that:

  • the employee became totally disabled while covered
  • the total disability has continued beyoned the elimintation period
  • the employee has been following appropriate treatment for the disabling condition

An employee wil be considered totally disabled while the employee is continuously unable due to an illness to do the essentional duties of the employees own occupation in any setting.

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What Medical Conditions Qualify For Long Term Disability A List Of Impairments Medical Conditions And Problems

Are you wondering if your medical condition or a combination of medical conditions may qualify you to receive long-term disability benefits? Many medical conditions qualify someone for disability if severe enough. We often find that a claimants disability is not due to a single illness or injury.

Instead, we usually find that a persons combination of impairments renders him or her disabled. Illnesses and injuries are compounded by other illnesses and injuries. Moreover, a claimants medical problems may be further compounded by chronic pain or fatigue and by negative side effects to potent medications. So, with that in mind, what medical conditions qualify for long-term disability? Almost any combination of medical conditions, if severe enough, will prevent you from working.

Disability insurance companies tend to evaluate whether conditions qualify without appreciating the full impact that the illness and/or injury has on your life. For example, do your medical records adequately convey the fact that you are constantly in pain? Does sleep deprivation leave you extremely fatigued during the day? Has your doctor stated that you are unable to work? You need to make sure all of your symptoms and limitations are documented during the claims process so the insurance company will approve your claim for short-term disability or long-term disability benefits.

What Medical Conditions Let Me Get Disability Insurance

Your medical conditions, even if they are disabling, may not actually be covered by the policy that you have.; Some policies limit the period of time that you can get coverage, , for mental nervous conditions.; Some people have made applications where there are preexisting medical conditions that might be excluded, as a cause of disability.; Conditions like migraines, diagnoses like fibromyalgia, and other uncommon types of conditions may also be excluded.; It is essential that you understand any limitations on your coverage before you apply so that you can do so in the right way.

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Can I Get Disability Insurance With A Preexisting Condition

Most likely but your preexisting condition may not be covered under your policy.

Most insurance companies will happily offer you a policy, but exclude your condition from coverage for a set period of time. This means that if you become disabled and your disability is linked to a preexisting condition within the specified time frame, your insurer will deny the claim. However, it will pay benefits for a disability that isnt directly tied to your preexisting condition.

Lets say youve had heart surgery in the past. If you suffer a heart attack or stroke shortly after starting your policy, your disability insurance probably wont pay out. But if you suffer an unrelated disability like back pain you should be eligible for benefits.

Some disability insurers are stricter than others, and will reject your application altogether, which is why its worth comparing policies from a handful of companies.

Will my preexisting condition affect my disability insurance rates?

No. Disability insurance rates are primarily based on your age, health and occupation, as well as your chosen benefit and elimination period.

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