If you have long-term disability insurance and are unable to work, hiring an experienced attorney to represent you can maximize your chances of having your claims approved. Filing a long-term disability claim is often fraught with challenges, and disability applicants who are unfamiliar with the process sometimes have a very difficult time getting the benefits they need and deserve. Anything from a single missed deadline, wrongly uttered word, or improperly completed form to the claims adjuster could jeopardize the applicant’s long-term disability benefits.
Health Conditions That Qualify for Long-Term Disability Benefits
Whether the disability applicant has been diagnosed with a chronic condition or sustained injuries following an accident, if they have long-term disability coverage but can’t work, John E. Dunlap, P.C., Attorney at Law can assist in filing a claim for benefits. Dunlap has a long track record of helping applicants with their long-term disability claims and appeals if their claims have been denied.
Some conditions that qualify as disabilities for long-term disability benefits include the following:
- Heart disease
- Diabetes
- Cancer
- Burns and scars
- Immune system disorders
- Fractured bones
- Lupus
- Gastric ulcers
- Spinal cord injuries
- Loss of limbs
- Dental disorders
- Traumatic brain injuries
- Mental disorders
- Occupational illnesses
It’s worth noting the above list of medical conditions isn’t exhaustive. Qualifying conditions may also vary from one policy to another.
Reasons Why Your Long-Term Disability Claim Might Be Denied
People who have been injured or developed a serious medical condition that prevents them from working can get financial assistance from long-term disability insurance. However, there’s no guarantee that a long-term disability claim will be approved.
Several reasons could result in the denial of long-term disability benefits claims, including:
- The injury or medical condition not meeting the policy’s definition of “disability”
- Missing doctor’s statement
- Missed deadlines
- Insufficient medical records and documentation of medical treatment
- A medical condition or injury not covered by the insurance policy
- Inconsistencies in the claim
Disability benefits are a vital income source for people who are unable to work and have a plan with their employer. Individuals unable to work due to illness or accident may be eligible for long-term disability benefits or Social Security Disability.
How a Long-Term Disability Attorney Can Help
Getting legal representation from a qualified and experienced long-term disability attorney helps improve the client’s chances of winning the case. Here are some important ways a long-term disability attorney can help:
- Analyze and explain the policy
- Explain the legal options of the case
- Gather evidence of the claim
- Help the client navigate complex law
- Help the client avoid costly mistakes
- Hold the insurance company accountable to the policy’s terms and conditions
Serving Clients in Jonesboro, Arkansas, and the Mid-South
As a long-term disability lawyer serving a large area of the Mid-South, including Jonesboro, Arkansas, John E. Dunlap has handled hundreds of ERISA cases and are very familiar with the complex ERISA rules. Our law firm has helped many disabled individuals with long-term disability claims.
We also represent clients in short-term disability and Social Security Disability insurance claims, ensuring clients get both justice and compensation.
Get in Touch With Us
Our attorneys have the knowledge and experience to handle long-term disability cases. Contact us today to schedule a free 20-minute initial consultation and find out how our legal services can help you get the benefits you need and deserve.