John E. Dunlap, P.C., Attorney at Law, is a professional law firm in Memphis, Tennessee, specializing in long-term disability and Social Security disability cases. We’re known for our friendly service and successful outcomes, and we offer free initial consultations for all prospective clients.
Health Conditions That Qualify for Long-Term Disability Benefits
Many health conditions qualify for long-term disability benefits, with some of the most common being certain types of cancer, brain injuries, and neck injuries. Certain injuries and illnesses that affect the cardiovascular, digestive, and respiratory systems may also help qualify individuals for long-term disability benefits.
Some additional qualifying health condition examples include:
- Stroke
- Carpal tunnel syndrome
- HIV/AIDS
- Chronic obstructive pulmonary disease
- Post-traumatic stress disorder
- Cerebral atrophy
Reasons Why Your Long-Term Disability Claim Might Be Denied
Insufficient medical evidence is a common reason for long-term disability claim denial. Sufficient documentation generally includes medical records, X-ray images and test results, physician notes, and medical reports. While specific eligibility criteria can vary from case to case, some additional reasons for denial may include:
- Missed filing deadlines
- Incomplete application forms
- Insurance company errors
- Patient fails to adhere to required medical treatment plan
- Investigation determines that the claimant isn’t disabled or is misrepresenting their condition
If your disability claim is denied, consult with a reputable long-term disability attorney as soon as possible. Mr. Dunlap and his team can examine your evidence and determine the next steps in appealing and challenging the initial denial.
How a Long-Term Disability Attorney Can Help
Whether you’re filing a new disability claim or appealing a claim denial, accuracy is essential when gathering evidence. A professional long-term disability attorney has the knowledge and experience to help ensure your forms include all required information. They can also assist in collecting evidence, such as medical records and detailed documentation of your condition or injuries.
If your initial claim has been denied, a long-term disability attorney can help guide you through the appeals process. They can help identify potential issues that may have contributed to the denial and assist with drafting an appeal letter. Your disability attorney can also provide support by representing you at administrative proceedings or hearings related to your claim.
Short-Term Disability and Social Security Disability Cases
In addition to long-term cases, John E. Dunlap also takes on short-term disability and Social Security disability cases. One of the biggest differences between short-term and long-term disability is how long it takes for coverage to kick in.
For example, short-term coverage is generally available within 90 days of your application, while it may be 3-6 months before you start receiving long-term disability benefits. Coverage length is also one of the main differences between Social Security disability and short-term disability.
Additionally, Social Security disability is based on a person’s work history and payment of Social Security taxes. In some cases, claimants may qualify for both short-term disability and Social Security disability. If you’ve been denied short-term disability or Social Security disability insurance, our firm can help with appealing your case.
Contact Us to Schedule a Free 20-minute Consultation
Since 1988, John E. Dunlap has helped many clients in Springfield, Missouri, and the Mid-South appeal long- and short-term disability insurance denials. If you need assistance with an appeal, denial, or existing disability claim, contact us today to schedule a no-obligation, 20-minute consultation.