Will I Qualify for Long Term Disability Benefits if I Have Lupus?

When people are faced with a serious medical condition, it can be nearly impossible to continue working. Lupus can be one of those conditions. Those who have lupus commonly suffer from fevers, headaches, blood clotting, ulcers in the mouth or nose, rashes on their noses and cheeks, anemia, swollen and painful joints, extreme fatigue, and more. In the worst cases, lupus can cause severe damage to crucial organs like kidneys. If you have lupus and are seeking long term disability benefits, you’ve come to the right place. Please read on and speak with our experienced long term disability attorneys to learn more about how we can help.

What are the benefits of long term disability insurance?

If you are no longer capable of returning to work, you are most likely ready to receive long term disability insurance benefits. If you can prove that you, in fact, need these benefits, you will be granted either one lump-sum payment or monthly insurance payments.

Does lupus qualify for long term disability benefits?

To qualify for disability insurance, you will first have to prove that your condition involves two or more organs or body systems, with one having a moderate level of severity, and that you are affected by two or more additional symptoms of the condition. Additionally, you may have to prove that you have repeated symptoms of lupus, with at least two constitutional symptoms and limitations in your daily life. Some of the most valuable evidence can include doctor’s notes, history of all past medical treatments relating to the condition, skin/liver biopsies, various antibody tests, and more.

When will my long term disability insurance benefits commence?

Usually, you will begin receiving insurance benefits within 90 days from your filing for disability. However, there have been cases where individuals will not see their benefits for a year or more. Rather obviously, this can be debilitating, which is why you need an experienced firm on your side to help speed up the process.

What should I do if my disability claim is denied?

If your claim is denied, do not panic. Simply speak with our firm, and we will file an appeal to your insurance company. In the appeal, our firm will search for more supplemental evidence that you truly need the benefits. If your appeal has been denied, our firm can still help. All you have to do is ask and we will begin working on your case immediately.

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.