Have you been denied a long-term disability insurance claim? Are you about to make a claim but need advice on the health conditions that qualify for long-term disability benefits? Long-term disability claims can be complex, and that’s by design. Insurance companies, looking to contain costs and boost their profits, often make the claims process difficult for claimants to navigate or routinely deny claims.
That’s where the Law Offices of John E. Dunlap, P.C., can assist with your disability claim in Marion, AR, and help you get the compensation you deserve.
What Health Conditions Qualify for Long-Term Disability Benefits?
If you have suffered injuries from an accident or are dealing with a chronic illness and find yourself unable to work, claiming disability insurance benefits is vital. Our team can support you in submitting a claim for benefits and help you with the appeals process if your claim has been previously denied.
Here are some of the health conditions that may be recognized as disabilities:
- Bone fractures
- Burns and scars
- Heart disease
- Cancer
- Lupus
- Diabetes
- Disorders of the immune system
- Spinal cord injuries
- Amputations
- Mental health disorders
- Occupational illnesses
- Traumatic brain injuries
- Gastric ulcers
If you are unsure whether your health condition makes you eligible for compensation, we can evaluate your medical records fully and provide legal advice tailored to your specific needs.
We can also help you initiate the claims process, filling out forms and collecting vital evidence. Do not represent yourself. Working with a disability attorney experienced in handling disability claim cases could make all the difference between a well-prepared claim and a claim that is denied.
Reasons Why Your Long-Term Disability Claim Might Be Denied
As an experienced disability attorney serving Marion clients, John Dunlap and our staff know how devastating it can be to have your claim denied. We also understand how difficult the claims process can be. Believe us when we say that your insurance company will find any reason they can to wriggle out of approving your claim. Fortunately, we know their tricks and how to prepare your claim so that we avoid the most common rejection reasons, detailed below.
Insufficient Medical Evidence
To qualify for disability insurance benefits, you will need to supply comprehensive evidence of ongoing medical treatment, such as records of MRIs, lab tests, and X-rays. Missing records could result in your claim being denied. A statement from your doctor describing your work-related health limitations is essential to support your claim.
Failure to Meet Your Insurer’s Definition of Disability
Check your policy to see whether your insurer defines your condition as a disability. Different insurers use different definitions, and it’s important to understand where your insurer stands. A disability insurance lawyer will help you decipher your policy’s wording.
Video Surveillance Shows Inconsistencies
Sometimes, insurance companies send surveillance teams to capture video of claimants. If you are recorded doing tasks that are inconsistent with your claim, your claim may be denied.
Our Disability Attorneys Are Ready to Help
For over 20 years, Attorney John Dunlap has been serving clients in Marion, AR, and throughout the Mid-South. Whether you’re looking for help initiating a claim or need assistance with the appeals process following a claim denial, we’re here to help. Our law firm can also assist with short-term disability cases, personal injury matters, and Social Security Disability cases. Contact us today for a free 20-minute consultation.