Ways To Determine Whether Your Medical Conditions Qualify For LTD

Any medical condition that affects your ability to work and create a source of income for yourself is an eligible reason for an LTD claim. After losing the ability to generate earnings for you, long-term disability security might be your only financial security. 

However, because of the constantly changing rules and regulations and their complexities, it is difficult to determine what kind of medical conditions qualify for a long-term disability. To decide whether or not you have medical conditions that qualify for LTD, contact an experienced disability lawyer. 

A disability attorney will introduce you to all kinds of minor and significant changes in the law that might affect your claim. Moreover,r you will need a professional to understand the complex regulations related to long-term disability. 

Nevertheless, it never hurt to have some basic information about how you can secure your finances for culture in case of a crisis. So here are some ways you can determine whether your medical condition qualifies for long-term disability or not.

Federal regulation for long-term disability benefits

The federal law launched two programs under long-term disability benefits. The first is the Social Security Disability Administration, which provides security monthly for long-term disabilities. 

The other one is the Social Security Disability Insurance or SSDI. To qualify for this program, you must have a considerable history of working at a job or self-employment. With that, you have to prove the regular Social Security taxes you paid on your income.

In addition, a unique program called SSI or Supplemental Security Income offers monthly financial aid to adults and children. This program does not require a working history and mainly focuses on kids and adults who are blind or disabled. 

The laws related to SSI are pretty strict, and the recipients must ensure they follow all the rules and regulations to continue their financial benefits from the program. 

List of medical complications that qualifies for long-term disability benefits

While the primary condition for any medical complication to qualify for LTD is to result in a loss of job or income in a person’s life, there are other aspects to consider, like a person’s emotional and mental well-being. So here are a few examples that will help you understand better.

  • Anxiety
  • Depression
  • PTSD
  • Spinal cord Injuries
  • Traumatic Brain Injuries
  •  Partial to complete paralysis
  • Permanent damage of a bone or muscle resulting  in restricted movement
  • Cardiovascular issues
  • Respiratory problems
  • Neurological disorders
  • Oncological issues
  • Weakened immune system

Rodney McFadden