Help! I’ve Fallen and I Can’t Get Up

If you have a disability, you may be eligible to receive your salary even when you are unable to work. This is the advantage of long term disability policy!

However, to benefit from this policy, you need to see if you fit the requisite category. Some people who claim an LTD (long term disability) coverage have to go through many hurdles before they are approved.

The most crucial element is to prove that you meet the definition of long term disability. Hopefully, the next few paragraphs will help you get more clarity about the aspects involved in the long term disability coverage policy.

When Does a Person Qualify for a Long Term Disability?

Those who are unable to work or continue to work because of their physical or mental health are considered to be disabled. If this condition lasts for more than 12 months or is likely to cause their death in a year or two, the person is said to have a long term disability.

Some disabilities don’t completely stop the possibility of you starting to work again. For example, blindness is a disability, but it doesn’t limit you to the extent where you cannot do anything on your own.

However, the same condition considered a disability in one person can be passed as a long term disability in another. This happens when that particular disability makes it impossible for the individual to perform the work for which they have suitable skills, experience, and education.

Examples of Diseases That can Qualify as LTD

There are a vast number of disabilities that can qualify as long term. These diseases can be physical or mental. The only prerequisite is that they should ultimately hinder your desire or ability to work.

• Severe anxiety disorders
• Brain injuries
• Epilepsy
• Chronic pain
• HIV/AIDS
• Post-traumatic stress disorder
• Psychosis
• Clinical depression
• Leukemia
• Cancer

These are only some of the examples that can qualify for a long term disability. The list of diseases that are eligible for long term disability benefits, for example, getting long term care, depends mainly on your state. In case of any queries, you should contact a disability attorney. The disability claims denial attorneys at Pillsbury and Coleman have worked with many multi-million dollar verdicts and recommend that if “you have some concerns with your insurance company trying to avoid paying out the benefits that you deserve or if the insurance company is rejecting or denying your claim” you should contact a professional for help.

What is Long-Term Care?

Long-term care includes a mixture of different services formulated to meet an individual’s health or their personal care needs for a short or long duration of time. This assistance helps people lead a comfortable and safe life.

According to the U.S. Department of Health and Human Services, there are few conditions that a person needs to satisfy before they are eligible for long term care.

To be qualified for long term care, an individual must be over 65 years of age. He or she must require the assistance of another person to do a substantial amount of their daily activities. They must be unable to perform at least 2 out of 5 Activities of Daily Living (ADLs).

These five ADLs include bathing, toileting, transferring, dressing, and eating. If you meet all these requirements, you should consider connecting to a disability attorney who will help you achieve your goals without any difficulties.