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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.

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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 Long Covid

Long Covid and Long Term Disability Benefits: How to Prove Your Claim

Diagnosis - Long Covid

You had Covid-19, and you thought you were recovered from it by now.  But you continue to suffer from lingering symptoms that make it difficult to work.  You are considering going out on disability, but first you want to know if your disability insurance policy covers "Long Covid" or Covid Long Haulers.

Long Covid symptoms can be serious and debilitating. Many who suffer from this condition find that they are no longer able to work as a result.

Does long term disability insurance cover Covid Long Haulers and Long Covid? And how do you prove disability for Covid Long Haulers and Long Covid? We'll discuss the answers to those questions below.

 

 

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Qualifying for Long Term Disability Benefits with Long COVID

Strategy - CPET Testing Diagnosis - Long Covid

On July 26, 2021, the Departments of Justice and Health and Human Services issued new guidance categorizing long COVID as a qualifying disability under the Americans with Disabilities Act (“ADA”).

Below, we discuss the impact this guidance will have on long term disability benefits for COVID long haulers.

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CPET and Disability: How This Testing Can Help You Win Disability Benefits

Strategy - Medical Evidence Diagnosis - Fatigue Diagnosis - Myalgic Encephalomyelitis Strategy - CPET Testing Diagnosis - POTS Syndrome Diagnosis - Long Covid Dignosis - Chronic Fatigue Syndome Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Dysautnomia

Cardiopulmonary exercise testing (known as “CPET”) can be useful for substantiating long term disability insurance claims.  The CPET is particularly recommended for conditions that cause fatigue as a major symptom.

Fatigue is commonly self-reported by claimants rather than objectively tested by their doctors.  Consequently, your insurance company may consider your reported fatigue as “subjective”.  Disability claims with subjective symptoms are more highly scrutinized and at higher risk of denial.

The CPET can provide evidence of your exertional limitations.  These objective results can help prove your disability to your insurance company.

Read below to learn more about the CPET and how it may help your disability claim.

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Long COVID and Long Term Disability: How to Prove Your Limitations

Diagnosis - Myalgic Encephalomyelitis Diagnosis - Long Covid Diagnosis - Chronic Fatigue Syndrome (CFS)

Even after the worst initial symptoms of COVID-19 have subsided, many COVID-19 patients experience lingering, often debilitating symptoms that could result in long term disability. The term “long haulers” has been used to describe those still coping with COVID-19 symptoms long after their first diagnosis. The number of COVID-19 long haulers could already be in the hundreds of thousands, as experts estimate as many as 10% of COVID-19 patients will classify as long haulers. Many may qualify for long term disability benefits.

Below we will examine the disabling symptoms commonly reported by long haulers, as well as how to determine whether you may be eligible for long term disability benefits if you are a COVID-19 long hauler.

 

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Is Chronic Fatigue Syndrome/Myalgic Encephalomyelitis A Disability?

Diagnosis - Fatigue Diagnosis - Myalgic Encephalomyelitis Strategy - CPET Testing Diagnosis - Long Covid Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Dyautonomia

Chronic Fatigue Syndrome (“CFS”), also known as Myalgic Encephalomyelitis (“ME”) or Systemic Exertion Intolerance Disease (“SEID”), is a debilitating, often misunderstood disease.  It is generally characterized by severe, overwhelming fatigue that does not improve with rest, and post-exertional malaise – or the inability to recover normally from even minimal physical or cognitive exertion. Individuals with CFS/ME also experience general weakness, cognitive problems, un-refreshing sleep, muscle or joint pain and flu-like symptoms. Unfortunately, there is no known treatment to cure this disease. 

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