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Long Term Disability for Thyroid Disorder: What You Need to Know

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

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 Headaches

Brain Cancer and Long Term Disability Claims

Diagnosis - Cancer Diagnosis - Chemotherapy Diagnosis - Headaches Diagnosis - Brain Cancer Diagnosis - Vestibular Disorder Diagnosis - Cognitive Impairment

A brain cancer diagnosis can upend every part of your life—including your ability to work. Between the effects of the tumor itself and the harsh side effects of treatment, many people with brain cancer find it impossible to maintain a full-time job. If this is your situation, long term disability (“LTD”) benefits can provide crucial financial support.

But navigating an LTD claim for brain cancer isn’t easy. Insurance companies often scrutinize these claims closely, especially when symptoms are cognitive rather than physical. This guide explains what you need to know about qualifying for LTD benefits with brain cancer, the evidence you’ll need, and how an experienced disability attorney can help protect your rights. 

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Long Term Disability for Chiari Malformation: What You Need to Know

Diagnosis - Headaches Diagnosis - Vestibular Diagnosis - Chiari Malformation

If you’ve been diagnosed with Chiari malformation and are struggling to continue working, you may be wondering whether long term disability benefits can offer the support you need.  Chiari malformation is a complex neurological condition that can cause a wide range of symptoms, from debilitating headaches and dizziness to fatigue and cognitive difficulties.  These symptoms can make it impossible to maintain a full-time job, especially in roles that demand mental focus, physical stamina, or both.

However, getting long term disability benefits for Chiari malformation isn’t always straightforward.  Insurance companies often dispute the seriousness of the condition or misclassify it, denying claims or cutting off benefits prematurely.

Below we’ll answer common questions about what you need to know about filing, proving, and protecting a long term disability claim for Chiari malformation.

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How to Prove Headaches in a Long Term Disability Insurance Claim

Diagnosis - Migrane Headaches Diagnosis - Headaches

Headaches are one of the most common neurological symptoms—but proving they are disabling enough to qualify for long term disability benefits can be surprisingly difficult. Insurance companies often deny these claims due to the lack of objective evidence and the subjective nature of headache symptoms. Still, with the right documentation and strategy, it is possible to build a compelling claim.

This article answers common questions about eligibility for long term disability due to chronic headaches and how to overcome the unique challenges of proving a headache-related disability.

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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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