Long-term benefits can be of significant help to people who suffer from long-term disabilities in their daily lives. These long-term disabilities are generally caused by things like accidents, illnesses, and injuries. However, what is unfortunate is that most of the claims are rejected at first, as reported by the Social Security Administration. This is why it would be best to get in touch with a Florida attorney to understand more about the conditions that qualify for LTD and to get your claims approved.
What are the requirements for long-term disability benefits?
People in general only qualify for these benefits if they pay for insurance plans for LTD, are suffering from a condition that is considered a disability under the current policy, and file a claim for LTD. But the catch is that, even those who are supposed to qualify get their claims rejected.
What medical conditions qualify?
There is a notion that only those who get injured in accidents and are unable to go to work qualify for benefits. But that is not true at all. While that is there, there are other medical conditions as well. This includes:
The medical conditions can be anxiety, arthritis, cancer, depression, diabetes, epilepsy, heart disease, HIV/AIDS, lupus, multiple sclerosis (MS), and more, encompassing physical and mental health issues.
Filing a claim:
As we discussed, the insurance companies will try not to give you any benefits. They usually thoroughly evaluate your claims and ask for lab tests and medical records, among other things, to find any loopholes. Sometimes insurance companies even consider these disabilities to be psychological rather than long-term disabilities. If that is happening to you, a lawyer can help, as they deal with such cases on a regular basis and know exactly what to do to challenge the insurance companies.
We completely understand how lost you must feel once the claim gets rejected. But remember, you are not alone, and it definitely does not mean that it’s the end of the road. A disability lawyer in Florida can provide you with peace of mind by handling these things on your behalf so that you can get better with time without having to worry about anything on a regular basis, as it will only take a toll on you. Reach out to one today to get further help with your LTD claim in Florida.