Navigating a health condition’s impact on your work? Discover which conditions can lead to long-term disability.

In life, the unexpected can happen. Your health, the foundation of your daily life, can take a sudden turn, leading to profound challenges. When these challenges persist, they may lead to long-term disability. But what are these conditions that most often qualify for long-term disability benefits? In this article by Cunnane Law in Edmonds, we’ll explore the common health issues that can lead to long-term disability, shedding light on how you can secure the support you need during these trying times.

5 Common Long-Term Disabilities

1. Musculoskeletal Disorders
2. Cancer
3. Mental Health Disorders
4. Cardiovascular Disorders
5. Neurological Disorders

1. Musculoskeletal Disorders

Musculoskeletal disorders, such as severe back pain, arthritis, and debilitating joint injuries, can disrupt your life in unimaginable ways. When these conditions make it nearly impossible to perform your job due to persistent pain and physical limitations, you may qualify for long-term disability benefits. The key is to document the severity of your condition and seek the support you need to navigate this challenging journey.

2. Cancer

A battle with cancer is a fight against the unknown. The physical and emotional toll of treatments, the uncertainty of recovery, and the strain on your ability to work can lead to long-term disability. The good news is that long-term disability benefits can provide the financial relief you need during this challenging period. If you’re navigating the complexities of cancer and facing the prospect of long-term disability, seeking expert guidance is crucial.

3. Mental Health Disorders

Mental health is as crucial as physical health. Conditions like depression, anxiety, bipolar disorder, or schizophrenia can profoundly impact your daily life. When these disorders reach a level where they severely affect your ability to work, you may qualify for long-term disability benefits. Seeking help and support is a crucial step toward recovery.

4. Cardiovascular Disorders

Heart diseases, including heart attacks and congestive heart failure, can disrupt your life and work. Recovery may involve lifestyle changes, surgeries, or ongoing treatment. When work becomes challenging or unattainable due to these conditions, long-term disability benefits can provide the financial foundation you need to focus on your health.

5. Neurological Disorders

Progressive conditions like multiple sclerosis, Parkinson’s disease, or epilepsy can impact your neurological function and daily life. These disorders may lead to long-term disability, but you don’t have to face this journey alone. With the right guidance and advocacy, you can secure the benefits that will support you on this challenging path.

Securing Your Future: Navigating Long-Term Disability Benefits

Facing long-term disability due to a debilitating condition can be overwhelming. At Cunnane Law in Edmonds, our goal is to simplify this process for you. Our seasoned attorneys are here to guide you, ensuring that your condition is understood and that you receive the support you deserve.

Whether you’re in the bustling heart of Seattle or anywhere across the metro area, we’re your local experts who understand your unique challenges. We’ll help you navigate the complexities of long-term disability claims, ensuring your voice is heard and that you have the financial security you need during this challenging time.

When the unexpected happens, let Cunnane Law be your trusted partner in securing the benefits that will support your future. Contact us today to explore how we can help you through this journey of long-term disability.

Note: This information was provided not for any specific claim and is written in broad and general terms and may not be the right path to follow for a particular claim or case. This information is not intended to create an attorney client relationship. It is always best to receive direct legal counsel for your legal issues. It is never too early to call the attorney, but it can be too late.

Filing a long-term disability claim is a complex process that requires careful attention to detail and strategic decision-making. At Cunnane Law in Edmonds, WA, our experienced team of long-term disability experts has witnessed the profound impact that certain mistakes can have on the success of a claim. To help you navigate the intricacies of the claims process and maximize your chances of a favorable outcome, we’ve compiled a comprehensive list of the top ten mistakes to avoid. By being aware of these pitfalls and seeking professional assistance, you can safeguard your rights and secure the long-term disability benefits you deserve.

Long-Term Disability Claims: Don’t Let These 10 Mistakes Derail Your Benefits

1. Failing to report the disability promptly

Avoid costly missteps in your long-term disability claim. Our comprehensive guide outlines the top 10 mistakes to steer clear of. Trust Cunnane Law in Edmonds, WA to protect your rights.

Promptly reporting your disability is crucial for a successful long-term disability claim. Delaying the reporting of your disability can cast doubt on the seriousness of your condition and potentially lead to a denial of benefits. It’s essential to notify your employer and insurance provider as soon as possible after your disability occurs. By taking swift action, you establish a clear timeline and ensure that you meet the necessary deadlines for filing your claim.

2. Providing incomplete or inaccurate information in the claim

Accurate and complete information is vital when filing a long-term disability claim. Failing to provide thorough and precise details can result in a denied claim or delayed benefits. Avoid the mistake of overlooking essential information or downplaying the severity of your disability. Ensure that your claim includes comprehensive medical records, diagnostic tests, treatment plans, and statements from healthcare providers that support your disability.

3. Neglecting to gather and submit sufficient medical evidence

Gathering and submitting sufficient medical evidence is critical in long-term disability claims. Medical records, test results, physician statements, and other supporting documentation play a crucial role in establishing the extent of your disability. Neglecting to collect and submit comprehensive medical evidence can weaken your claim and make it easier for insurance companies to deny or dispute your benefits.

4. Overlooking deadlines and timelines

Timelines and deadlines are significant factors in long-term disability claims, and overlooking them can have severe consequences. Each insurance policy has specific deadlines for reporting a disability, filing a claim, and appealing a denial. Failing to adhere to these timelines can result in a loss of benefits or the inability to pursue further legal action.

5. Not understanding the terms and conditions of the insurance policy

Not fully understanding the terms and conditions of your long-term disability insurance policy can lead to misunderstandings, claim denials, or inadequate benefit amounts. Policies often have complex provisions, exclusions, and limitations that may affect your eligibility for benefits. Take the time to thoroughly review your insurance policy and seek clarification on any terms or conditions that are unclear.

6. Underestimating the importance of professional legal representation

Underestimating the importance of professional legal representation in long-term disability claims is a significant mistake. Many individuals believe they can handle the claims process on their own, only to find themselves overwhelmed by its complexities and facing unnecessary hurdles. Without expert guidance from our team at Cunnane Law, you may unknowingly make critical mistakes that jeopardize your claim.

7. Miscommunicating with insurance companies or other involved parties

Effective communication with insurance companies and other involved parties is crucial in long-term disability claims. Miscommunication or misunderstanding can have detrimental effects on your claim. It’s essential to be clear, concise, and accurate in all your communications, whether through written correspondence or verbal conversations.

8. Overemphasizing minor activities that may be misinterpreted

When describing the impact of your disability, avoid overemphasizing minor activities that may be misinterpreted. Insurance companies carefully evaluate your ability to perform specific tasks related to your occupation. Overemphasizing your capabilities in areas that don’t accurately represent the limitations caused by your disability can weaken your claim

9. Failing to document the impact of the disability on daily life and work

Documenting the impact of your disability on your daily life and work is essential for a successful long-term disability claim. Keep a detailed record of how your disability affects your ability to perform routine tasks, engage in social activities, and carry out job-related responsibilities. This documentation provides objective evidence of the limitations caused by your disability.

10. Disregarding the advice and recommendations of healthcare providers

Disregarding the advice and recommendations of healthcare providers is a common mistake in long-term disability claims. Insurance companies rely heavily on medical opinions and treatment plans when evaluating claims. It’s essential to follow your healthcare provider’s advice, attend all recommended appointments, and adhere to prescribed treatments. Failing to do so may raise questions about the validity and severity of your disability.

Avoid These Common Mistakes in Long-Term Disability Claims

Navigating the long-term disability claims process requires vigilance, attention to detail, and professional expertise. By avoiding these ten common mistakes, you can significantly improve your chances of a successful outcome. At Cunnane Law in Edmonds, WA, our experienced long-term disability attorneys are dedicated to guiding you through every step of the process, ensuring that your rights are protected and maximizing your chances of securing the benefits you deserve. Contact us today to schedule a consultation and take the first step towards a favorable resolution of your long-term disability claim.

Note: This information was provided not for any specific claim and is written in broad and general terms and may not be the right path to follow for a particular claim or case. This information is not intended to create an attorney client relationship. It is always best to receive direct legal counsel for your legal issues. It is never too early to call the attorney, but it can be too late.

Navigating the long-term disability process requires expert help. We’re here for you.

If a qualifying medical condition prevents you from working for an extended period of time, long-term disability (LTD) insurance may be able to help you financially. Your medical condition must fall under the insurance company’s definition of long-term disability as stated in your policy in order to be eligible for benefits.

In this article, Cunnane Law will discuss what medical conditions are generally eligible for long-term disability benefits and what you’ll want to know about obtaining the benefits you are entitled to.

Which Medical Conditions are Eligible for Long-Term Disability?

Physical or mental illnesses, severe injuries, or any chronic conditions that keep you from working for a long period of time, may qualify you for long-term disability benefits.

The following are some of the typical conditions that qualify for long-term disability benefits:

• Cancer
• Chronic obstructive pulmonary disease (COPD)
• Chronic pain
• Crohn’s disease
• Diabetes
• Heart disease
• Mental health-related disorders
• Multiple sclerosis (MS)
• Musculoskeletal disorders
• Parkinson’s disease
• Stroke
• Traumatic brain injury
• Arthritis
• Fibromyalgia
• Auto immune disease

The precise eligibility requirements depend on the kind of policy and insurance company, but generally speaking, these benefits begin once your short-term disability benefits have run out.

For specific disabilities brought on by accidents or work-related injuries, some policies might also offer benefits. To find out which conditions are covered by your specific policy, it’s important to contact your provider.

What Criteria is Used to Determine Long-Term Disability Eligibility?

Age, medical history, present state of physical and mental health, and capacity to carry out essential job-related duties are typically used to determine long-term disability eligibility.

Proving Your Disability

Prior to approving your disability claim, your insurance provider will need to see proof in the form of medical records. This should also include results of any diagnostic tests and other supporting documentation.

This procedure is described in your insurance policy’s “Proof of Claim” section. To file an insurance claim, you must inform your insurance company and provide all necessary claim forms and documentation, including medical records.

The claims procedure can be quite complicated. Depending on the extent of your injury or illness, it might take a few weeks to a few months to complete.

At Cunnane Law, we are highly skilled in disability insurance law. If you need assistance understanding the details of your policy, contact us at any time.

What could give rise to the denial of a long-term disability claim?

An application for long-term disability may be denied for a number of different reasons. These include failing to provide enough proof to support the claim, not being eligible or failing to meet the definition of a disability, failing to submit a claim on time, or making an error on a claim form.

Your insurance provider may also reject your claim if they think your condition has improved or is not as severe as you claim it to be. Furthermore, they might reject it if you are doing things you would not be able to do if you had a true disability.

Finally, it’s crucial to carefully review all the documentation included with the denial. You want to make sure you fully understand the reasons your disability claim was rejected. You should also seek the advice of a skilled long-term disability attorney to decide the next plan of action.

Get Assistance Securing Your Benefits

It can be challenging and stressful to submit a long-term disability claim. Your insurance provider may reject your claim due to a number of possible pitfalls. Now is not the time to take a chance on losing the long-term care you need.

However, you’re not alone. Our team of long-term disability attorneys at Cunnane Law is here to help you win and start to heal. For assistance navigating this complex process, get in touch with Cunnane Law right away.

Note: This information was provided not for any specific claim and is written in broad and general terms and may not be the right path to follow for a particular claim or case. This information is not intended to create an attorney client relationship. It is always best to receive direct legal counsel for your legal issues. It is never too early to call the attorney, but it can be too late.

You can’t fight the insurance companies on your own. You need an experienced Seattle long-term disability lawyer on your side.

It’s time to hire legal counsel right away if your long-term disability claim has been rejected by your insurance provider. Your insurance company will use its powerful legal team with endless resources to coerce you into abandoning your claim. You shouldn’t even attempt to fight this battle by yourself.

It’s important to make the right choice when selecting a disability lawyer to represent you. Your future may be altered in a very real way.

Here are some key aspects to consider when choosing an attorney for your long-term disability case.

4 Things to Look for When Choosing a Seattle Long-Term Disability Lawyer

1. Expert in the field of disability insurance law

The law relating to disability insurance is extremely complex. This is beneficial to the insurance companies. With so many rules and regulations to follow, it’s crucial to have a disability lawyer who understands what to anticipate and has the experience to back it up.

Your best option when appealing a long-term disability claim denial, is to choose an attorney who specializes in this field of the law.

2. Knowledgeable of the law in your local area

State-by-state differences exist in long-term disability laws, and even within counties, there are variations in the procedures for appealing denials.

The outcome of your claim may be significantly impacted by hiring a lawyer who is familiar with the subtle variations between state disability laws and local court procedures. This is why it’s crucial to work with a disability attorney who is not only licensed to practice in your state but also has a solid background in the local legal system.

3. Forthright and honest

Select a disability attorney who will give you an honest evaluation of your case, whether good or bad.

Unfortunately, some law firms will attempt to tell you what they believe you want to hear rather than what you actually need to hear. Be wary of empty promises and guarantees.

Not sure if you can trust your lawyer? Reading client reviews can be helpful.

4. Empathetic and compassionate

It’s critical to realize that you are not at fault for anything. However, your insurance provider is not on your side. It is more concerned with its bottom line than with what is best for you. This means that it will use every trick in the book to discredit you and your claim.

You need a lawyer who will be a genuine compassionate partner at a time when things are already challenging. Search for a person who will not only listen to you, but who will also believe you and be your support system.

Why choose Cunnane Law?

• We practice long-term disability law at Cunnane Law.
• We regularly fight disability insurance providers and are skilled at defeating them.
• We help ease our clients’ burdens so they can concentrate on taking care of themselves.

Reach out to us at Cunnane Law right away if your long-term disability claim has been rejected and you’re not sure what to do next. We love working with clients in Edmonds and all around the greater Seattle area.

Note: This information was provided not for any specific claim and is written in broad and general terms and may not be the right path to follow for a particular claim or case. This information is not intended to create an attorney client relationship. It is always best to receive direct legal counsel for your legal issues. It is never too early to call the attorney, but it can be too late.

Are you thinking about converting your short-term disability to a long-term disability (LTD)? It’s a big decision, and switching from short-term to long-term disability can be stressful. When deciding to transition, there are many things to take into account, including how long you will be on disability, your financial situation, and the kind of disability insurance you have.

Short-Term vs Long-Term Disability?

• Short-term disability insurance cover is used to replace lost income for those who are unable to return to work due to an injury or illness, and lasts for three to six months or up to one year.
• On the other hand, long-term disability is meant for people who have a more serious illness that prevents them from going back to work. Benefits from this kind of policy may be available for a significantly longer time frame, sometimes up to five years or more.

Determine Your Eligibility

It can be difficult to move to long-term disability. But you don’t have to do it alone. Let Cunnane Law help.

Understanding what is necessary to meet the requirements is essential because the eligibility requirements for different insurance companies vary. In general, if an illness or injury prevents you from working for an extended period of time, you may be eligible for long-term disability benefits. Do your homework and speak with a qualified disability attorney at Cunnane Law, who can assist you in determining whether you qualify for long-term disability benefits. At Cunnane Law we have over 100 years experience in successfully handling disability and insurance claims.

Applying for Long-Term Disability

You and your attorney can complete your application once you’ve established the requirements your insurance policy specifies for receiving benefits. To submit a successful application, you must have all the supporting medical documentation requested by the form. A separate letter from your doctor stating that you are unable to work, the nature of your disorder, and the expected length of your disability, may be required for the documentation. Some doctors do not want to get involved with insurance claims, but Cunnane Law works and knows how to get cooperation with the necessary medical professionals.

Appeal the Decision

You have the right to appeal the decision if your application for LTD benefits was denied. You must be very careful here. Because the documents and evidence you provide may not be enough to win your claim.  You will be required to present evidence in support of your claim.  Your attorney can defend your rights and assist you throughout the appeals process. Simply, filing a letter from you asking the insurance company to appeal likely will not be enough to get on claim.

Use Legal Counsel

To help you make the switch from short-term to long-term disability, it might be in your best interest to hire an attorney. Having a skilled attorney on your side can ensure proper handling of your case and increase the likelihood that you will be granted the benefits to which you are entitled.  A long-term disability attorney can give you advice on the best course of action and assist you in building your case. We make sure we get all the necessary evidence and medical records to support your claim for disability.

Take It to Court

The court process can be time-consuming and expensive, but it may be your only option if you believe you were wrongfully denied benefits. It is crucial that you have a qualified lawyer with experience in disability cases representing you in court and assisting you in making the best case possible.

Consult a Long-Term Disability Lawyer

Cunnane Law’s experienced attorneys excel at assisting clients in transitioning from short-term to long-term disability. We understand the difficulties and complexities of switching from one to the other and can assist you in navigating the process with confidence. Our attorneys have a thorough understanding of long-term disability claims and can advise you on how to appeal a decision and gather evidence, as well as represent you in court if necessary. Call us today for a consultation to learn how we can assist you in successfully transferring from short-term to long-term disability.

Note: This information was provided not for any specific claim and is written in broad and general terms and may not be the right path to follow for a particular claim or case. This information is not intended to create an attorney client relationship. It is always best to receive direct legal counsel for your legal issues. It is never too early to call the attorney, but it can be too late.

When you are unable to work due to a disability, one of the first things you must do is file for disability compensation. If you have a disability at work, this will most likely be your first option. However, if you have been out of work for a significant period of time and no longer have disability insurance, you have another alternative. If you have a work record, you may be eligible for SSDI, or Social Security Disability Insurance.

Disability Insurance Through Social Security

Social Security Disability Insurance may be helpful for you. Talk to us about how to file an SSDI claim.

Individuals with a work history and enough credits earned through employment are eligible for this program. It is funded by the same scheme that provides retirement benefits to older employees who have retired. SSDI pays a monthly benefit to people who are unable to work because of a disabling or long-term medical condition.

To be eligible, you must have made SSDI contributions through payroll tax deductions from Social Security-covered employment. To qualify, you must have worked recently and for a sufficient length of time.

How to Apply for SSDI

A person seeking SSDI must be unable to work because of their disability. The term “disability” is narrowly defined by Social Security. The applicant’s medical condition (mental or physical) must be expected to persist at least one year or result in death. SSDI is not designed to cover temporary or partial disability.

SSDI eligibility is based on a person’s work history, and the monthly payment is calculated on average lifetime earnings from Social Security-covered employment.

Recipients must be U.S. citizens or have lawful alien status if born outside of the United States.

Submitting an Application

Before you begin your application, you’ll need to acquire several documents. Such as:

• Your Social Security Card
• Your health care providers contact information, including any doctors, as well as the dates of your appointments
• Records of treatment
• List of all medications names and dosages
• All laboratory and diagnostic tests results
• If you were self-employed, your most recent W2 form, or last year’s tax return
• Bank account information
• Your marriage certificate or other proof of marriage, if your spouse also qualifies
• Social Security numbers and proof of age for all family member who also qualify for benefits

Because getting benefits takes time, you should apply as soon as you become disabled.

You should see your doctor before making your SSDI claim and explain your plans. If your doctor does not agree that you are disabled, their opinion could jeopardize your claim. And if this is the case, you should look for another doctor or medical practitioner who does agree.

If your doctor does agree, you must follow their medical recommendations. Failure to keep planned appointments and follow treatment instructions may make your claim appear fraudulent.

Many SSDI applications are denied on the first attempt. It is critical that you appeal this decision so that you do not lose your right to do so.

Working with a disability lawyer who understands SSDI and how to properly complete an application is a wise decision. You’ll have a better probability of being approved on your first application or on appeal.

Cunnane Law can assist you with your Social Security Disability Insurance claim

Cunnane Law does not handle SSDI cases. However, we work with several SSDI attorneys in the community. We handle Long Term Disability cases which are different from SSDI cases. The legal work we do for our LTD clients, in most cases can be used for your SSDI claim. Contact us today to set up your complimentary consultation.

Note: This information was provided not for any specific claim and is written in broad and general terms and may not be the right path to follow for a particular claim or case. This information is not intended to create an attorney client relationship. It is always best to receive direct legal counsel for your legal issues. It is never too early to call the attorney, but it can be too late.