What Qualifies You for Long-Term Disability in Missouri?

Facing a long-term disability can be mentally, physically, and financially devastating. Fortunately, long-term disability insurance can help you get through such a difficult time and keep you financially stable. If you’re dealing with a serious illness or medical condition, you may be wondering if you qualify for benefits. Here’s how to find out if you’re eligible.

Qualifying for Long-Term Disability

To qualify for long-term disability, the impact of your illness or injury matters more than a specific diagnosis. While your medical records will help support your claim, it may not be enough to secure your insurance alone. To qualify for long-term disability, you must be able to prove you’re unable to work because of your condition and expect to remain that way for 20 weeks or more. It may also be necessary to get an expert’s opinion to receive long-term disability.

Conditions Qualifying for Long-Term Disability

Oftentimes, recipients of long-term disability insurance are experiencing a combination of several conditions affecting their ability to work. If you’ve been diagnosed with one or several of the following, you may qualify for long-term disability:

• Cardiovascular Issues – aneurysms, arrhythmia, heart disease or heart attack
• Blood Disorders – anemia, sickle cell disease or hemophilia
• Cancers – malignant tumors affecting any part of the body
• Cognitive Impairments – mood disorders, sleep disorders or addiction
• Digestive System Issues – organ failure, Crohn’s disease or hernias
• Endocrine Disorders – diabetes, Hashimoto’s or Cushing’s disease
• Immune System Impairments – severe allergic reactions or immune deficiencies
• Musculoskeletal Issues – arthritis, bone fractures and burns
• Respiratory Impairments – cystic fibrosis, chronic lung infections and asthma
• Sensory Impairments – loss of speech, vision loss and hearing loss

Assistance Receiving Long-Term Disability in Missouri

You’ll want an experienced lawyer on your side to help you successfully file for long-term Social Security Disability (SSDI) benefits. While you can file your claim yourself, most SSDI claims are denied initially because they’re filed incorrectly or incompletely. An attorney will ensure your claim is filed fast and on time. For help compiling, submitting, and appealing your SSDI claim, trust the legal experts at Lanzotti & Rau.

Long-Term Disability Lawyers Near You

The team of experienced long-term disability lawyers at Lanzotti & Rau are ready to take legal action to help you receive compensation for your disability. To learn more about our SSDI legal services, call us today at 573-335-9300 to schedule a free consultation.