Am I Entitled to Long Term Disability Insurance if I Have Chron’s Disease?

Crohn’s disease is no joke. Those who deal with Crohn’s disease know it, too. If you are someone with Crohn’s disease, there is a good chance you are considering going out on disability to help offset some of the physical pain and discomfort you feel on a daily basis. Those with Crohn’s disease are fighting an inflammatory bowel disease that causes inflammation of your digestive tract, which can cause fatigue, significant weight loss, severe diarrhea, abdominal pain, and more. Though there is no known cure for Crohn’s disease, there are several types of treatment that can help many of those who suffer from it. However, this is not the case for everyone, and Crohn’s can sometimes lead to life-threatening complications. If you find yourself in this situation, here are some of the questions you may have regarding long term disability insurance:

What does long term disability insurance do?

Long term disability insurance works to help those who are no longer able to return to work by providing them with either one lump-sum payment, or scheduled monthly insurance payments via their insurance company. This payout is intended to help those unable to return to work with their medical bills, lost wages, and other financial burdens. You should keep in mind, however, that the insurance companies will not readily hand you benefits, no matter how badly you need them. This is why you should contact an experienced attorney who is ready to fight for the benefits you deserve and need.

How do I get long term disability insurance?

First, you will have to speak to your employer or insurer and ask them about your policy. Once you speak with them, you will file your long term disability insurance claim within 180 days. Your attorney will ensure your claim includes important documents such as MRI results, medical records, doctor’s opinions, and more. Your lawyer will ensure your doctor provides sufficient details in his report so as to clearly demonstrate how your medical condition affects your daily life, and therefore prevents you from working any longer.

What other medical conditions may qualify for long term disability insurance?

Alzheimer’s disease
Back pain
Breast cancer
Carpal tunnel
Cancer
Chronic obstructive pulmonary disease
Clubfoot
Cardiovascular disease
Fibromyalgia
Chronic pain
Cognitive impairment
Degenerative disc disease
Dementia
Diabetes
Mental health
Hearing loss
Migraines
Multiple sclerosis
Muscular dystrophy
Osteoarthritis
Osteoporosis
Rheumatoid arthritis
Thyroid disorder
Stroke
Transient ischemic attacks
Vision loss

Contact our experienced firm

If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.

Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.