What Medical Conditions Qualify For Long Term Disability Benefits?

At The Law Office of Nancy L. Cavey, we work tirelessly to help disability claimants obtain their full and fair benefits — without unreasonable delay. With nearly four decades of experience under her belt, Florida ERISA/ID disability attorney Nancy L. Cavey has successfully represented over 5,000 clients.

We can help you understand if your medical condition qualifies for disability coverage. In addition, if your short-term or long-term disability claim was denied, or you have any other questions or concerns about your legal rights, please do not hesitate to contact our law firm for a free, no obligation consultation.

Medical Conditions that Qualify for Long Term Disability

Our law firm has obtained short and long term disability (LTD) benefits for clients with a wide range of different medical conditions and health issues. While some people think that injuries resulting from acute accidents are the only qualifying conditions, in reality, there are many different psychological, physical, and medical conditions that could potentially qualify an applicant for disability coverage under their insurance policy. Are you wondering if you might you be eligible for short or long term disability benefits? We are here to get you the answers you deserve. The medical conditions that may qualify you include, but are not limited to:

Conditions that Qualify for LTD (Long Term Disability)

• Anxiety
• Asthma
• Ataxia
• Back Pain/Disorders
• Bipolar Disorder
• Brain Injury
• Cancer
• Carpal Tunnel Syndrome
• Cerebral Atrophy
• Chronic Fatigue Syndrome
• Chronic Pain
• Chronic Obstructive Pulmonary Disease (COPD)
• Crohn’s Disease
• Depression
• Diabetes
• Epilepsy
• Epstein-Barr Virus
• Eye Disorders
• Fibromyalgia
• Headaches/Migraines
• Hearing Impairment
• Heart Disease
• Hepatitis
• Herniated Disc(s)
• HIV/AIDS
• Irritable Bowel Syndrome (IBS)
• Insomnia
• Kidney Disease
• Knee Disorders
• Leukemia
• Lung Disease/Cancer
• Lupus
• Lyme Disease
• Macular Degeneration
• Meniere’s Disease
• Multiple Sclerosis (MS)
• Neck/Cervical Disorders
• Non-Epileptic Seizures
• Obesity
• Osteoarthritis
• Parkinson’s Disease
• Peripheral Neuropathy
• Post-Traumatic Stress Disorder (PTSD)
• Psychosis
• Rheumatoid Arthritis
• RSD/Complex Regional Pain Syndrome
• Shoulder Disorders
• Sjogren’s Syndrome
• Sleep Disorders
• Speech Disorders
• Spinal Stenosis
• Stroke
• Syncope
• Trigeminal Neuralgia
• Vestibular Dysfunction

Again, you may be eligible for short or long term disability benefits even if your condition isn’t listed above. Not only do many other conditions qualify, but a combination of medical conditions also can qualify. To find out more about your specific case, please do not hesitate to contact The Law Offices of Nancy L. Cavey. We can determine if your medical condition or combination of conditions qualifies you for benefits under the terms of your disability policy.

You Need a Proper Medical Diagnosis

One of the keys to obtaining successful results in the long-term disability claims process is being able to present strong, well-documented supporting medical evidence. To get access to the full and fair disability benefits that are available under your insurance policy, you must have a proper medical diagnosis from a qualified physician.

Insurance companies will look for ‘gaps’ in your claim. Unfortunately, they will exploit the fact that there is a minor error in your file or you have some missing documentation. Even relatively small issues can result in delays or outright rejections. If your medical records do not adequately demonstrate the extent or effects of your disability or condition, it may be difficult to get full benefits. Our St. Petersburg, FL long-term disability lawyer can help to ensure that all of your medical evidence is in proper order.  

Medical Conditions Must Be Connected to Psychological/Physical Impairments

As the non-exhaustive list on this page shows, there are many different conditions that can potentially qualify an applicant for long-term disability benefits. In fact, there are so many that it would be almost impossible to list them all. Yet, unfortunately, people who have qualifying conditions sometimes struggle to get their long-term disability claim approved.

One of the issues that many applicants run into in the disability claims process is that the insurance company does not accept the link between their underlying condition — which may qualify for benefits, at least in the abstract — and the actual psychological/physical impairment that is preventing them from returning to work on a full-time basis.

We will help you establish this link. Our long-term disability attorney has the skills and experience required to make sure that these connections are supported by comprehensive medical evidence and connected with a strong, persuasive legal argument.

What You Need to Know About Limited Coverage or Pay Period

Many disability policies have limited pay periods as short as two years for mental nervous conditions, subjective conditions like migraines, or certain diagnoses like fibromyalgia. It is crucial that you understand any limits of your coverage before you apply. This is something Nancy Cavey can help you better understand. During your free, no risk consultation, our legal team will make sure that you understand the full implications of your disability policy. This will give you all of the information you need to move forward in the process in the most efficient and effective manner.

How a Florida Long-Term Disability Attorney Can Help

When we take on your long-term disability claim, our law firm will always put in the time and energy required to truly understand your case and your individual needs. We will listen to your story, review your file, explain your legal rights and legal options to you, and fight to get you the full and fair long-term disability benefits that you rightfully deserve.

We have a no fee guarantee. Our legal team will help you recover your long-term disability benefits — or we will not get paid for our services. There are never any upfront fees or out-of-pocket costs for you and your family. We only get paid if you get your benefits. Case evaluations are always free of charge. No matter the specific nature of your claim, Nancy Cavey can help you better understand your rights and your options with a FREE consultation.

Get Help With Your Long-Term Disability Claim in St. Petersburg, Florida

At The Law Office of Nancy L. Cavey, we understand that disability insurance policies are confusing. Insurance companies can deny or reduce benefits for many different reasons, from the type of medical conditions covered or how long benefits will be paid. If your long-term disability claim was denied, you need a strong legal advocate by your side.

For a  free, no obligation 30-minute consultation to learn whether your medical conditions qualify you for disability benefits and any limitations on how long your disability carrier will pay you benefits, please do not hesitate to contact our law firm today. From our office in St. Petersburg, we serve communities throughout Florida, including in Tampa, Sarasota, Bradenton, Venice, Ft. Myers, and Naples.