Will I Qualify for Long Term Disability Insurance if I Have Diabetes?

Diabetes, though common, comes with serious health concerns. Those who suffer from diabetes very often experience unexplained weight loss, extreme hunger, slow-healing sores, frequent infections of the gums or skin, damaged immune systems, cardiovascular disease, nerve damage, kidney damage, and more. If you are someone who has recently been diagnosed with diabetes, or you have been dealing with it for a long time, you may seek to go out on disability if you are unable to return to work. Here are some of the questions you may have regarding long term disability insurance:

Can long term disability insurance help me?

Long term disability insurance is for those who are physically incapable of working either for a significant period of time, or, in some cases, for the rest of their lives. If granted, you will either receive one lump-sum payout or monthly insurance payments. It is crucial you seek experienced legal counsel when filing for long term disability, as it is not always easy to obtain.

Do I qualify for long term disability insurance?

Despite the fact that long term disability insurance is a fantastic way for those unable to work to attain a sense of financial stability, the insurance companies are not always looking out for your best interests. Very often, insurance companies will do whatever they can to deny an individual in need of the compensation he or she truly deserves. This is unacceptable.

To file for long term disability insurance, you will first speak with either your employer or insurer to get a firm understanding of your insurance policy and the benefits it provides. You will then file a claim within 180 days–you must ensure you do so promptly. From here, you and your attorney will work to assemble all the necessary documentation to clearly illustrate that you are in need of benefits. You may include medical records and history, MRI results, doctor’s opinions regarding how your medical condition affects your daily life, thereby preventing your return to work, and more.

When does long term disability insurance end?

Long term disability insurance may only end under a few circumstances. Generally, this insurance will end either when you turn 65, when you reach your retirement age under Social Security, or when you become physically capable of working once again, no longer requiring LTD benefits.

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.