Many injuries and illnesses are responsible for developing a disability. These disabilities can be of two types that are short term and the other one is long term. The short term disability for some specific period and it improves along the time. The LTD disability becomes permanent or almost impossible to cure, where a patient has to live with this condition for life long or years.
To know the long term disability medical condition you have to claim your LTD benefits with the proper certification and the appropriate reports. To qualify the condition requires you have to pass several conditions depending upon the condition you are facing. This condition can be physical, physiological and medical. The conditions that qualify for long term disability are as follows:
• Bipolar disorder
• Injury in brain
• Anxiety
• Ataxia
• Depression
• Diabetes
• Epilepsy
• Eye disorders
• Cerebral atrophy
• Cohn’s disease
• Epstein bar virus
• Cancer
• Stroke
• HIV/AIDS
• Knee disorder
• Lupus
• Osteoarthritis
• Parkinson’s syndrome
• Permanent ligament damage
• Arthritis
• Muscular degeneration
• Lyme disease
• Kidney disease
• Spinal stenosis
• Complex Regional Pain Syndrome/RSD
• Syncope
• Trigeminal Neuralgia
• Vestibular Dysfunction
• Back pain
• COPD (Chronic Obstructive Pulmonary Disease
• IBS Irritable Bowel Syndrome
• Non-Epileptic Seizures
• Chronic pain
• Post-traumatic stress disorder (PTSD)
• Speech disorders
• Neck disorders
• Shoulder disorders
• Chronic fatigue syndrome
• Leukemia
These were the basic list of the diseases that come under the section of LTD disability. To qualify the condition requires you have to pass several conditions depending upon the condition you are facing. Do not worry if you do not find yours, this list was not to brief but to give an idea. To know more, contact the nearest law officers for more inquiry.
The things that you must do before filing the LTD claim:
1. Authentic medical diagnosis or check-up: Before claiming any type of claim you should be prepared with the well-supported documentation with the proper evidence. This can be a diagnosis report, doctor prescription, medical conditions by the physiotherapist and other important documents. Proper documentation will help to make a strong case. Missing documents and other important files can abduct the claim away from you.
2. Medical should be connected with the physical and psychological conditions: Many insurance companies deny the applicant’s claim. You might face an issue doing the full-time work and this might be stopping you, but your insurance company denies the facts that you have shown. These were the basic list of the diseases that come under the section of LTD disability. Do not worry if you do not find yours. To overcome this situation you must have strong evidence and proper medical reports if you can’t arrange it to hire a lawyer.
3. Limited cover or the investing period: Many policies offer you limited pay limits with a short interval of time. It becomes really important for you to choose the right insurance so that if you face any problem regarding it you must get the proper benefits of long term.
Before filling any form you must understand the privilege of your requirement and also considering you in every situation for both long and short term. If you find it difficult to hire a Long term disability consultant.
