Lupus Long Term Disability Claims Attorneys
If you were diagnosed with lupus, you may have significant stress as you worry about extensive medical treatment and your uncertain future. The ongoing pain you’re feeling can significantly affect your daily life, preventing you from working, caring for your family, or performing routine tasks independently. At Abell and Capitan Law, we understand the hardships you’re facing and the financial strain of not being able to work anymore because of your symptoms. You can depend on us to fight for the long-term disability benefits you need to supplement your lost wages and afford your medical care and daily assistance.
Insurance companies might seem willing to help you in your time of need, but they will most likely look out for their own interests. They may look for any valid reason they can find to deny your claim. You need and deserve monthly payments so you don’t end up with crushing medical debt while treating your disease. The Kentucky long term disability lawyers Abell and Capitan Law can appeal your denied claim or get you started with an initial claim and work hard to ensure the insurance company pays the money you’re owed. Call us at (267) 419-7888 for a free consultation, and we will begin working on your case immediately.
Who’s Eligible for Long Term Disability Benefits?
Lupus is a debilitating autoimmune disease affecting around 5 million people worldwide. If your symptoms affect your ability to perform your work-related tasks, you should be entitled to long term disability (LTD) benefits through your employer-paid plan or an individual plan you purchased.
Lupus causes pain and inflammation in the body. It can affect any part of the immune system, which is responsible for fighting infections. Instead of fighting off infections, as usual, Lupus causes the immune system to attack healthy tissue.
Typically, this disease impacts the joints, skins, and internal organs. Common symptoms include:
- Hair loss
- Extreme fatigue
- Chest pain
- Joint pain or swelling
- Low fever
- Mouth or nose sores
- Light sensitivity
- Swollen eye, hands, or feet
- Numbness in the toes and fingers
- A butterfly-shaped rash on the nose and cheeks
Many of these symptoms commonly present with other medical conditions, so you must see your doctor at the first sign of symptoms to determine your diagnosis. If your doctor diagnoses you with Lupus, there are immediate steps you should take to ensure you’re able to recover the maximum LTD benefits available from the insurance company.
Medical records are vital and can prove you have a disabling medical condition. Treatment options are available to manage pain, reduce swelling, and alleviate other symptoms you’re experiencing. If you can show documentation of your ongoing treatment, you might be entitled to monthly benefit payments to cover your medical bills and the daily living expenses you’re no longer able to afford due to your reduced working hours or total loss of income.
Filing A Long Term Disability Claim
Lupus mostly affects women and people between the ages of 15 and 44. However, anyone of any age could develop this autoimmune disease. You could file a claim to receive benefits for as long as your disabling condition prevents you from maintaining employment. There are two options available:
Individual LTD Plan
If your employer doesn’t provide benefits through a long-term disability insurance policy, you may have purchased an individual plan. With an individual plan, you can apply for LTD benefits directly with your insurer. You must notify them of your condition and complete an application. You should also ask your doctor for a letter containing details of your diagnosis.
Hire an experienced lupus long-term disability claims attorney from Abell and Capitan Law immediately so we can begin to work on your case. Representing yourself in an insurance claim can prove challenging, especially if you’re up against roadblocks you don’t know how to overcome. We know the law associated with LTD claims and how to establish that your symptoms affect your job. We can file the claim on your behalf, gather sufficient evidence, and recover the benefits you’re entitled to so you’re not forced to pay for your treatment out of pocket. If the insurance company denies your claim, we can file an appeal to reverse the decision.
Employer-Paid Long Term Disability Plan
If your employer provides LTD insurance coverage, notify them of your disease as soon as you become aware of the diagnosis. They should give you a claim form to complete and submit directly to their insurance representative to begin the claims process. Employer-paid plans follow ERISA law. This federal law sets standards insurance companies must comply with to protect the rights of their participants. There are strict filing deadlines and other procedures you’ll need to know about to ensure you receive the benefits owed to you through the policy.
If the insurance company approves your application, you could receive between 50% and 70% of your average monthly earnings before your disabling condition occurred. Be sure to follow the steps below if lupus limits your functional capacity, preventing you from returning to work:
- Complete the application for benefits and return it to your employer or to their insurance representative, whichever they require. If the application goes to the employer, they should submit it to the insurance company along with the documentation you provide to start the process.
- Obtain a statement from your physician detailing your diagnosis, symptoms, and how it disrupts your job performance. You should also gather copies of all your medical records to show the timeline of your treatment.
- Hire a lupus long-term disability claims attorney to assist you with the claim.
Don’t leave your future in the hands of an inexperienced lawyer who won’t go to battle for you. Abell and Capitan Law is ready to fight for the maximum benefits you need to compensate for your lost wages and pay for the medical treatment necessary to manage your symptoms.
Contact Abell and Capitan Law for A Free Consultation
At Abell and Capitan Law, our lupus long term disability claims attorneys have the experience, knowledge, and skills to fight the insurance company for the LTD benefit payments you rightfully deserve. A disabling medical condition can disrupt every part of your life, causing emotional distress and significant medical debt.
We won’t allow the insurance company to mistreat you or violate your rights. If necessary, we have the resources to appeal your denied claim so you can begin to collect the monthly payments that cover your doctor’s appointments, prescription medications, and household assistance.
Do not hesitate to reach out to Abell and Capitan Law for assistance. Call us at (267) 419-7888 or fill out our online form.