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Conditions That May Qualify for LTD Benefits for When You’re Unsure

Conditions that may qualify for LTD benefits for when you’re unsure

LTD benefits can be awarded to persons suffering from different medical conditions and health issues. Contrary to the common assumption, you don’t have to be suffering serious injuries from an acute accident in order to qualify for LTD benefits. There are some psychological and physical conditions that may not be very obvious but do qualify for disability coverage. The best way to determine if you are eligible for short- or long-term disability benefits is to consult an experienced lawyer in Nova Scotia. A lawyer will assess the circumstances of your case along with your medical records and help you get the answers you deserve.

Common events and accidents that lead to long term disability

  • Serious car accidents
  • Cancer
  • Heart attack
  • Stroke
  • Traumatic events that result in PTSD or depression
  • Back injuries
  • Other accidents like slip and falls that cause broken bones, head injuries and spinal injuries
  • Arthritis

 Common injuries and illnesses that qualify for long term disability:

  • Cardiovascular disease and stroke
  • Cancer
  • Mental health problems like depression, mood disorders, bipolar, anxiety, PTSD
  • Back injuries
  • Fractures
  • Brain and spinal cord injuries
  • Seizures
  • Nervous system disorders
  • Chronic fatigue syndrome
  • Diabetes
  • Sleep disorders
  • Speech disorders
  • Spinal stenosis
  • Psychosis

There are many other conditions not listed above that may qualify for disability benefits. In many cases, a combination of different medical conditions will qualify for short- or long-term disability benefits. You’ll need to work with a lawyer who will investigate your specific case and determine if the condition or combination of medical issues you have qualifies for benefits.

Psychological or physical impairment

One of the main reasons why disability claims are sometimes denied is when there’s no adequate evidence to prove that the condition someone is suffering from has resulted in psychological or physical impairment. If the applicant’s underlying condition cannot be linked to their actual psychological or physical impairment that’s preventing them from returning to work, then the claim may be denied. Experienced long-term disability lawyers can help to establish this link. They will take time to gather all the comprehensive medical evidence required to support the disability and ensure benefits are paid out to the applicant.

What if your claim is denied?

Filing a claim for disability benefits can be a long and intimidating process. It’s important to have a qualified legal team by your side to ensure the insurance company doesn’t deny your claim or award benefits that are much lower than asked for. Every policy is different and a reliable long-term disability lawyer in Halifax, Nova Scotia will take time to understand the specifics of your case before moving forward with any negotiations or trial. If you or someone you love is suffering from a long-term disability and is looking for legal help to file a claim, we can help. It doesn’t matter if your claim was denied, we will review your case and help you get the benefits you are entitled to.

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