Juliet D'cruz

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It is a common misconception that long-term disability insurance is only available to those who are physically disabled. However, there are many more long-term disability qualifying illnesses, such as diseases and mental problems, than only this.

For decades, the attorneys at Nancy L. Cavey & Associates have assisted people with obtaining short and long-term disability insurance benefits. They have first-hand knowledge of conditions that qualify for LTD benefits as a result of this encounter. How long do you have to be disabled to get long-term disability benefits? Below, they talk about the requirements for admission and more.


Long and short-term disability payments can be obtained for various accidents and illnesses depending on your insurance coverage. The circumstances that qualify you for long-term disability benefits will differ depending on the policy’s terms and restrictions. There are two main types of disability insurance plans, which are described here.

  1. Disability Insurance Policies: In the absence of an employer or employment group, disability insurance acquired by an individual is considered an individual policy.
  2. Policies On Group Insurance Coverage: Workers’ compensation insurance plans supplied by businesses include those offered by the majority of them or by organizations like a union, for example. Employer Pension and Health Insurance Security Act governs these plans (ERISA).

Every policy is different, regardless of whether it’s for an individual or a group. This is why we suggest that you engage with a long-term disability attorney to see if you are eligible for disability insurance benefits due to your particular disease or conditions.

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The majority of disability insurance plans need proof of your inability to perform the obligations of a specific type of job. Having a long-term disability might result from the symptoms and restrictions caused by all of your medical problems. Medical problems that might support a valid disability claim are better understood when classified according to the Social Security Disability guidelines, which insurance companies rarely follow. These are only a few examples:

  • Disabilities Due to Cardiovascular Disease
  • Disabilities of the Digestive System
  • Disabilities of the Endocrine System
  • Disabilities of the Genitourinary System
  • Disorders of the Blood and Blood Systems
  • Disorders of the Immune System
  • Neoplastic Cancers in the Advanced Stages (Cancer)
  • Sensory and Neurological Issues
  • Disabilities of the Musculoskeletal System
  • Multiple System Failure Across the Body
  • Medical Conditions Affecting the Respiratory System
  • An Ailment of the nervous system
  • Disorders of the Skin

Diseases of the Senses and Speech

Additionally, short- and long-term disability insurance covers a wide range of medical problems. To find out if your sickness or injury qualifies as a qualifying condition and how to substantiate your disability claim, contact a disability lawyer at our company.


Disability insurance claimants can turn to the Law Office of Nancy L. Cavey for comprehensive legal services offered across the country. Every step of the way, they assist with disability insurance claims, from filing to receiving benefits.

  • The initial consultation is without cost to you.
  • Getting your case ready to go
  • submitting a claim for the first time
  • Keeping an eye on your application for disability benefits
  • This may even involve if required, the filing of an appeal and the conduct of litigation on your account.

No matter where you are in the process, you’ll need the assistance of an experienced disability insurance lawyer to see your case through to completion. Whether you have an individual or group disability insurance policy, we cover long-term and short-term disability claims.


Is it a mystery to you which medical problems qualify you for long-term disability payments? Allow them to assist you in determining if you have a single long-term disability qualifying condition or several qualifying conditions. They’re here to support you in your quest for disability insurance benefits. Get in touch with the group to set up a no-obligation consultation. Sending a message using a contact form will put you in touch with them by phone from anywhere.

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