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You’ve been diagnosed with cancer, or you’re undergoing treatment for cancer that has debilitating side effects. What are your chances of obtaining long-term disability benefits while you recover?

Disability insurance policies are designed to provide income to policyholders (employees) who are unable to work due to a disability, injury, or illness. Unfortunately, dealing with disability insurance providers and claims administrators can involve many complexities. Even a well-supported disability claim can be denied by the LTD insurer by claiming incomplete medical evidence or biased medical reports.

According to a survey conducted by the Centers for Disease Control and Prevention (CDC) in 2019, 20.4 percent of adults in the U.S. feel they suffer from chronic pain, and 7. 4 percent of adults report suffering from what the CDC calls high-impact chronic pain. Those with high-impact chronic pain say they felt pain “most days” or “every day.”

Long-term disability insurance plans are available either individually, through contacting an insurance broker, or often through your employer. When an accident or illness strikes and results in disability, the policyholder expects payment for their inability to work. Filing a claim, however, can often result in delays and denials of benefits, leaving the policyholder confused and out on the proverbial financial ...

You signed up for long-term disability (LTD) insurance at your place of employment, never expecting you’d need to rely on it. Then suddenly, something happens and you’re home disabled and in no condition to work. You apply to your LTD insurer and they deny your claim. What went wrong?

Imagine this scenario: you’ve been on long-term disability for several months due to a back injury, and suddenly you receive notice that your benefits are being terminated. Your insurance company says that they have evidence that you’re not as limited or disabled as you claim.

When you apply for long-term disability benefits, the insurance company will require proof of your disability. They will do an internal investigation into whether or not you initially qualify for benefits. These investigations will continue throughout the entirety of your claim, even if you have been receiving benefits for years.

As we continue to evaluate these unprecedented and rapidly changing times due to the impacts of COVID-19, also known as coronavirus, Beedem Law continues to prioritize the safety and well-being of our employees, our clients, and our community.

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