Long-Term Disability Conditions

 

Contact us

Long-Term Disability Conditions

 

Different insurance providers use different disability definitions, and the wording in your long-term disability (LTD) insurance policy ultimately determines what benefits you will receive. Long-term disability benefits are generally accessible to those who have a disability that prevents them from performing the duties of their current job, irrespective of type of illness or injury.

Some insurance company policies exclude certain illnesses or pre-existing conditions, so to be eligible, your medical condition must match the policy’s definition of disability, which can consider your medical history, whether you sought treatment, and if you follow prescribed treatment plans under a reasonable treatment plan supported by a medical certificate.

Other policies exclude injuries and illnesses covered under workers compensation. Before choosing a plan, carefully review the language with an insurance broker, and ask about the elimination period, any exclusions, how the insurer may deny claims, and what the policy counts as disabled. Understanding these details helps you select the disability insurance policy that truly fits your situation.

Long-Term Disability Qualifying Conditions

Long-term disability qualifying conditions can include, but are not limited to, the following:

Chronic Pain

E

Fibromyalgia

E

Chronic Pain Syndrome

E

Motor Vehicle Accidents & Other Personal Injuries

E

Endometriosis

Psychological Conditions

E

Depression & Anxiety

E

Post Traumatic Stress Disorder (PTSD)

E

Sexual Assault

E

Addiction

E

 Workplace Stress, Harassment & Burnout

Neurological Disorders

E

Concussions & Migraine Headaches

E

Degenerative Disc Disease

E

Carpal Tunnel Syndrome

E

Neurological Disorders

Other Medical Conditions

E

Depression & Anxiety

E

Multiple Chemical Sensitivities

E

Chronic Fatigue Syndrome

E

Rheumatoid Arthritis & Osteoarthritis

E

Post-Cancer Treatment Effects

Support for Long-Term Disability Claims

You can have your claim for long-term disability benefits denied or are offered lower than asked for by your insurance provider.

When an insurance company denies your long-term disability claim or offers less than you expected, it can leave you feeling powerless. Our lawyers have seen how difficult this process can be, especially when you’re already coping with serious health issues. We step in to manage the details, so you don’t have to fight that battle alone.

Every disability insurance policy is different, and the fine print often hides the real barriers to coverage. We know how to interpret that language and challenge decisions that don’t reflect the realities of your condition, whether your claim involves chronic pain, a degenerative illness, or a mental health disorder that limits your ability to work.

We will work towards securing the disability insurance coverage you’ve paid for, and to make sure you get treated you fairly in the long and often difficult process of filing a long-term disability insurance claim.

Contact Ottawa Disability Lawyers Today

Our team pursues fair LTD benefits and dependable income replacement under your employer’s group insurance plan or individual disability insurance. Call 6134545792 or use the online form to book a complimentary consultation with Ottawa Disability Lawyers.

Schedule Your Free Consultation Today