It is common for claimants to suffer from multiple medical conditions. It is also possible that more than one of them alone causes a disability. If you have multiple medical conditions, you should include them all in your disability insurance claim.
The first thing you should do is review your disability insurance policy. The policy may include limitations or exclusions for certain medical conditions. This could mean that one of your disabling conditions is limited to 24 months of benefits. In that case, you do not want to limit yourself to just that condition when you have other conditions that are also, alone, disabling.
There are common limitations and exclusions we see in LTD policies, such as:
- Mental health limitations
- Self-reported symptom limitations
- Pre-existing condition exclusion or limitation
- Neuromuscular, musculoskeletal, soft tissue dossier, and chronic fatigue syndrome limitation
Once you know what your policy says, if anything, about limitations and exclusions, you should include everything that is related to your disability. Of course, it is important you have medical evidence supporting these conditions. This could include:
- Medical records
- Objective testing
- Imaging
- Blood work
If you are unsure whether you should include all your medical conditions, or what information to provide, contact one of the experienced disability insurance attorneys at Dabdoub Law Firm. We specialize in disability insurance claims and know how to handle a claim with multiple medical conditions.
Help from an Attorney with Expertise in Disability Insurance
Disability insurance law is complicated. If your claim for long term disability benefits was denied or being delayed by an insurance company, it is important to get help from a lawyer with expertise in disability law.
Why Us?
- Our lawyers specialize in disability insurance;
- Our lawyers have experience with UNUM, Hartford, CIGNA, Reliance Standard, and just about every other insurance company;
- Our lawyers have won tough disability insurance lawsuits;
- Our lawyers have recovered millions in disability benefits for clients who were wrongly denied.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.
Dabdoub Law Firm represents clients nationwide with:
- Submitting a disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating a lump-sum settlement, or
- Filing a lawsuit against your disability insurance company.
Call to speak with a disability insurance attorney. No fees are costs unless clients are paid.
