Does Alzheimer’s Disease Qualify for Long Term Disability Insurance?

Those diagnosed with Alzheimer’s disease have an uphill battle to fight. Alzheimer’s disease is the most frequent cause of dementia, and it’s symptoms worsen as time goes on. Though it often starts with simply forgetting recent conversations or events, it unfortunately only progresses. Though there are medications that can treat Alzheimer’s, there are none that can totally halt it.

If you have recently been diagnosed with Alzheimer’s, you may not be able to return to work. If you find yourself in this situation, there is a very good chance you may qualify for long term disability insurance, which can be a sigh of relief for both you and your family. If you believe you may qualify, please read on to learn more about what you can do.

What can disability insurance do for me and my family?

Essentially, long term disability insurance can be the safety net that you and your family need to help compensate for a lost paycheck when you are no longer able to return to work. When an individual is granted long term disability insurance, you will either receive one lump-sum payment or monthly insurance payments. These benefits may be just what your family needs, so it is very important you retain the legal services of a seasoned disability firm before proceeding.

How do I receive long term disability insurance?

To receive long term disability insurance, you must first either speak with your employer or insurer, as they can tell you more about your specific policy and its benefits. Next, you must file a claim, and promptly–within 180 days. You will then gather and submit information regarding your disability and how it affects you on a daily basis. As long as you can prove you are unable to work by submitting medical documents, MRIs, doctor’s notes, and any other documentation your attorney sees fit, you should win the disability benefits you deserve.

Unfortunately, insurance companies are ultimately businesses that need to make money, so they do not readily dole out benefits to everyone who asks. This is why you must hire an experienced attorney who knows the ins and outs of the LTD process.

Does long term disability insurance end at some point?

Generally speaking, long term disability insurance will only end if you are able to return to work, turn 65 years old, or reach your retirement age under Social Security.

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.