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In order to qualify for disability benefits for either a diminished ability to see or hear, your impairment must be significantly advanced.  You may find it in your best interests to hire our New York disability insurance attorneys if you are completing an initial application or appealing a denied claim. 

Arthritis is one of the most common conditions leading to long term disability. Many people with arthritis find their range of motion too limited and joint pain too unbearable to continue working. But before filing a long term disability insurance claim, you might have questions: What types of arthritis qualify for disability benefits? How do you document your symptoms for your insurance company? What do you need for them to approve your claim?

Many people might assume that a diagnosis of HIV/AIDS automatically qualifies you for long-term disability insurance benefits. Not so. Establishing your HIV status is only the first step toward obtaining benefits. The more difficult task lies in proving that your condition is “disabling.”

Neck and back injuries can significantly diminish mobility and cause excruciating pain. A back or neck injury can be the result of work or recreational activities, disease, a fall or other accident, or a degenerative disorder. Back and neck pain is one of the most common reasons why claimants file for long term disability insurance benefits. Insurers routinely deny back and neck pain claims for lack of objective evidence.

Multiple Sclerosis (“MS”) is a chronic, progressive autoimmune disease that affects the central nervous system and can cause a wide range of physical and cognitive symptoms.  If you are living with MS, these symptoms can make it difficult or impossible to work, and may lead to long term disability.  However, despite the very serious nature of MS, obtaining long term disability benefits can be an uphill battle.

Below we will discuss how to present the strongest long term disability claim possible for multiple sclerosis.