Getting your Long-term claim approved by your insurance company is tedious and demanding. You will need to determine if you qualify for the benefits based on the policies in your insurance. You will also need to know the conditions excluded and how far a disability is according to your insurance provider. However, never feel bad or give up if you cannot figure these out. An Ohio long-term disability lawyer can help you know if your condition qualifies for long-term disability benefits. Remember, insurance companies write policies in confusing and defensive language, and each policy has its unique definition. Furthermore, the company may look for loopholes in the interpretation to avoid paying you the benefits even if your disability qualifies. Review your insurance policy and read this article to the end to understand the general conditions covered in long-term disability insurance.
What Does the Policy Cover?
Generally, long-term disability benefits require you to meet the policy definition of a disability to get compensated. Many people mistake what qualifies as a disability as a physical injury to the body. However, some illnesses can be disabling, qualifying you for the benefits. Therefore, if you have conditions like digestive disorders, infectious diseases, neurological disorders, or mental disorders, getting approved for the benefits is possible. Furthermore, the policy does not have to list the condition specifically. Some of these conditions are a combination of several conditions. So, check how yours works.
Medical Conditions Partially Covered by Long-Term Disability Insurance
There are numerous conditions that can be disabling. Therefore, it may not be possible to list everything. Nonetheless, if you have suffered any or several of the conditions listed below, you can receive benefits if the condition meets the policy’s description of a disability.
- Bipolar disorder
- Arthritis
- Brain injuries
- Asthma
- Cancer
- Anxiety
- COPD
- HIV/AIDS
- Kidney disease
- Heart disease
- Leukemia
- Liver disease
- Irritable bowel syndrome
- Lung disease
- Nerve damage, etc.
The list of partial conditions that may qualify for LTD benefits is long and vary with insurance companies. However, if you suffer amputation, total blindness, or deafness, you automatically qualify for the benefits. Remember, the insurance company will try to find fault in your claim to avoid compensating you. Therefore, understand the limitations and exclusions before applying for the benefits.
Limitations When Applying for Long-Term Disability Benefits
Many of these benefits come with limitations for some conditions. These include.
- A pre-existing condition where there may be an issue if you had a pre-existing condition that contributed to the disability. Policies apply differently, so it will be best to check the language in your policy concerning pre-existing conditions.
- Some companies may cover alcohol and substance abuse disorders for a limited period, while some policies don’t cover these disorders at all.
- Mental health conditions like anxiety and depression may qualify for coverage in some policies, even though the benefits may be limited. Once the period is over, the benefits end, irrespective of whether the disability prevents you from working or not.
Closing Words
It is crucial to know the conditions covered in your policy to know if you qualify for long-term disability benefits. We hope this article has helped you understand how insurance companies evaluate disability and conditions before compensating them.