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Long Term Disability for Chronic Obstructive Pulmonary Disease (COPD): What You Need to Know

Qualifying for Long Term Disability After a Mild Traumatic Brain Injury

Info Library

 Clear Information About Long Term Disability Claims

The Info Library is a comprehensive educational resource for people navigating long term disability claims.

Here, you can learn how disability insurers evaluate medical conditions, occupational duties, policy language, medical evidence, appeals, benefit terminations, and litigation. Each guide focuses on a specific issue that may affect your eligibility for benefits or the strength of your claim.

Use the search feature above or browse the topic areas below.

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Diagnoses

A medical diagnosis can have a profound impact on your ability to work, but not every diagnosis is evaluated the same way by disability insurance companies.

Our diagnosis guides explain how specific medical conditions may affect your eligibility for long term disability benefits, the evidence insurers typically look for, and the unique challenges claimants often face throughout the claims process.

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Occupations

Your occupation is one of the most important factors in a long term disability claim. Disability insurance companies evaluate more than just your diagnosis; they assess whether your condition prevents you from performing the material duties of your specific occupation.

Our occupation guides explore the unique demands of different professions and the evidence that can help support a successful disability claim. Whether you are filing an initial claim, appealing a denial, or protecting ongoing benefits, understanding how your occupation is evaluated is essential.

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Insurers

The insurance company handling your long term disability claim can significantly impact your experience throughout the claims process. While every insurer evaluates disability claims differently, each has its own procedures, priorities, and common reasons for delaying, denying, or terminating benefits.

Our insurer guides examine the practices of major disability insurance companies, explain the challenges claimants commonly encounter, and provide insight into the strategies that can help strengthen your claim at every stage.

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Policy Terms

Your disability insurance policy is the foundation of your claim. The language in your policy determines who is eligible for benefits, how disability is defined, what limitations or exclusions may apply, and what evidence you need to provide throughout the claims process.

Our policy guides explain the key provisions found in many long term disability policies and help you understand how your policy can affect your eligibility, benefits, and claim strategy.

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Claim Strategies

Every long term disability claim presents unique challenges, and the steps you take throughout the process can have a significant impact on your ability to obtain and maintain benefits. Understanding how disability insurers evaluate claims can help you make informed decisions from the outset.

Our claim strategy guides cover important topics such as documenting your disability, working with your treating physicians, responding to insurer requests, preparing appeals, and protecting your benefits throughout the life of your claim.

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Litigation Issues

If your long term disability claim cannot be resolved during the administrative claims process, the next step may involve litigation or mediation. Understanding how these proceedings work can help you make informed decisions about your legal options and what to expect as your case moves forward.

Our litigation and mediation guides explain important legal concepts, court procedures, settlement discussions, standards of review, and other issues that may arise after a claim has been denied or terminated.

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Topic

Diagnosis Chronic Pain

Navigating Long Term Disability Claims for Chronic Pain Conditions

Diagnosis - Fibromyalgia Diagnosis - Pain Syndrome Diagnosis - Chronic Pain

Chronic pain and pain syndromes can make it impossible for suffers to work. However, insurers regularly discount pain complaints because pain is a subjective experience. You may be in excruciating pain, yet no instrument or test can measure it. The best way for you to get a long term disability insurer to take your complaints of pain seriously is to retain an experienced disability lawyers in new York to handle your claim or appeal. 

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Fibromyalgia and Long Term Disability: What Evidence Matters

Diagnosis - Fibromyalgia Diagnosis - Chronic Pain

Those with fibromyalgia know how difficult daily living can be: coping with debilitating chronic pain, ending up exhausted for days from light activities, struggling to concentrate enough to complete even simple tasks. Many people suffering from fibromyalgia find themselves unable to continue working.

Is Fibromyalgia A Long Term Disability?

Fibromyalgia is difficult to prove as a disability since it is a condition with largely subjective symptoms.  Because of this, obtaining long term disability insurance benefits can be challenging.  Insurance companies are skeptical of claims based on self-reported subjective symptoms. They often insist that a claimant supply objective evidence in support of disability.

If you are disabled because of fibromyalgia, our disability insurance lawyers can help you assemble the evidence that insurers demand to approve a claim. 

See below for tips on filing for long term disability with fibromyalgia.

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Your Insurer May Try to Characterize Your Physical Disability as a Mental Illness

Mental Illness Limitation Diagnosis - Tinnitus Diagnosis - Lyme Disease Diagnosis - Fibromyalgia Diagnosis - Fatigue Strategy - Limitations and Restrictions Diagnosis - Chronic Pain Diagnosis - Headaches Diagnosis - Cognitive Impairment Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Babesiosis

People who suffer from a disability causing both physical and mental symptoms can face certain challenges in filing their long term disability claims.  Insurers often try to categorize these claims as strictly "mental" in an  effort to limit liability.  This is because most long term disability policies limit benefits to 12 or 24 months when the disability is caused by a mental illness. Under these provisions, benefits will stop after one or two years even if you remain totally disabled.
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