Long Term Disability Attorneys Helping Your Case

Whether an individual suffers from a work injury, cancer, anxiety, or crippling agoraphobia, a long-term disability can be very serious, and can negatively impact several areas of one’s life, including their work and home life. For many individuals, their long-term disability completely hinders them from being able to go to work and bring in a sufficient amount of income to live a comfortable lifestyle. Fortunately, many insurance companies offer long-term disability insurance coverage to assist individuals in times of need; unfortunately, most insurance companies make it extremely difficult for the insured to utilize their policies and receive the benefits they have been paying monthly premiums on for years.  

At the Law Office of Mike Gernter, our Marion long-term disability attorneys understand how frustrating it can be to be denied benefits that you have been paying for. We also understand how scary it can be to not know whether or not you will have a steady source of income to support you in your time of need. Because of this, we use our knowledge of Ohio long-term disability law, and our 40+ years of experience to help individuals achieve a beneficial outcome to their long-term disability claims case.

Medical Conditions that Qualify for Long-Term Disability Benefits

While every insurance carrier is different, there are certain conditions that qualify for long-term disability benefits under most every plan. These conditions are usually in line with those listed on the Social Security Administration’s listing manual; in 2016, qualifying long-term disabilities include:

  •      Musculoskeletal problems, such as back injuries;
  •      Cardiovascular conditions, such as heart failure or coronary artery disease;
  •      Senses and speech issues, such as vision and hearing loss;
  •      Respiratory illnesses, such as COPD or asthma;
  •      Neurological disorders, such as multiple sclerosis, cerebral palsy, Parkinson’s disease, and epilepsy;
  •      Mental disorders, such as depression, anxiety, schizophrenia, autism, or retardation;
  •      Immune system disorders, such as HIV/AIDS, lupus, and rheumatoid arthritis;
  •      Various syndromes, such as Sjogren’s Syndrome and Marfan Syndrome;
  •      Skin disorders, such as dermatitis;
  •      Digestive tract problems, such as liver disease or IBD;
  •      Kidney disease and genitourinary problems;
  •      Cancer; and
  •      Hematological disorders, such as hemolytic anemia and disorders of bone marrow failure.

Typically, both the Social Security Administration and many insurance companies do not require an individual’s condition to meet the exact listing requirements, but rather, require that aspects of a condition be medically equivalent to the criteria for a disability. However, it is always recommended to check with your insurance carrier for exact qualifications for a long-term disability before you file your claim.

Benefits to Working with a Long-Term Disability Attorney

Many individuals attempt to file a long-term disability claim on their own, without legal representation. While some individuals find success when they go this route, many are simply met with a stack of paperwork they are unsure what to do with, aggressive insurance company representatives that treat them as if they are trying to scam the system, and flat out denial. Insurance companies know what tricks to pull in order to avoid having to payout benefits, and lure unsuspecting claimants into providing too much information—information that is used against them as a basis for denial. However, our Marion long-term disability attorneys also know what tricks and traps insurance companies commonly employ, and routinely help individuals avoid them so that they may find success in the long-term disability claims process.

Consult with An Experienced Ohio Long-Term Disability Attorney

At the Law Office of Mike Gertner, our long-term disability lawyer has dedicated his career to helping individuals recover compensation when they need it the most. If you have been seriously injured, and if you need long-term disability benefits to support you while you recover, do not take any risks, and reach out to a Marion long-term disability lawyer right away.