{"id":933,"date":"2022-11-04T03:10:30","date_gmt":"2022-11-04T03:10:30","guid":{"rendered":"http:\/\/donahoekearney.com\/?post_type=practice_areas&p=933"},"modified":"2026-07-09T21:02:21","modified_gmt":"2026-07-09T21:02:21","slug":"long-term-disability","status":"publish","type":"practice_areas","link":"https:\/\/donahoekearney.com\/practice-areas\/long-term-disability\/","title":{"rendered":"Long Term Disability"},"content":{"rendered":"

Understanding Long Term Disability Benefits<\/strong><\/h4>\n

Long term disability insurance is supposed to replace part of your income when a serious injury, illness, or medical condition keeps you from working. But getting approved is not always simple.<\/p>\n

The insurance company will not just take your word for it. They will look at your policy, your job duties, your medical records, your doctor\u2019s notes, and anything they think gives them a reason to deny or delay your claim.<\/p>\n

If you cannot work and your income is on the line, you need to take the claim seriously from the beginning.<\/p>\n

Do I Qualify for Long Term Disability Benefits?<\/strong><\/h4>\n

You may qualify if:<\/p>\n

    \n
  • Your condition prevents you from working in your own job or any job, depending on your policy<\/li>\n
  • You are covered through an employer plan or a private disability policy<\/li>\n
  • Medical records from your doctors clearly support that you cannot work<\/li>\n<\/ul>\n

    The key is not just having a serious medical condition. The key is proving, through your policy and medical records, that your condition keeps you from working.<\/p>\n

    Missing records, unclear doctor notes, or mistakes in the paperwork can give the insurance company a reason to deny the claim.<\/p>\n","protected":false},"author":4,"featured_media":1938,"parent":0,"menu_order":0,"template":"","pa_category":[],"class_list":["post-933","practice_areas","type-practice_areas","status-publish","has-post-thumbnail","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t