Does Long-Term Disability Insurance Cover Chronic Illnesses Like Cancer or MS?

Living with a chronic illness like cancer or multiple sclerosis (MS) can be overwhelming, particularly when it impacts your ability to work and earn a living. Long-term disability (LTD) insurance is designed to provide financial support in situations like these, but many policyholders wonder whether chronic illnesses qualify for coverage. At Bartolic Law, we’ve seen how important LTD insurance can be for individuals facing these health challenges. This blog post breaks down key aspects of LTD coverage for chronic illnesses to help you understand your rights and options.

Understanding Long-Term Disability Coverage

LTD insurance provides income replacement if you’re unable to work due to a severe illness or injury. For chronic illnesses such as cancer or MS, policies often acknowledge the long-term nature of these conditions. However, coverage ultimately depends on the specifics of your LTD policy, including:

• Policy Definitions:

  • Review the definition of “disability” in your policy. Some policies require you to prove you can’t perform duties of your previous job (“own occupation”), while others may cover you only if you’re unable to perform any occupation (“any occupation”).

• Medical Documentation:

  • Insurers typically require detailed medical records to verify the severity of your condition, including its impact on your ability to work.

• Exclusions or Pre-Existing Conditions:

  • Policies may exclude coverage if your illness is classified as a pre-existing condition. However, legal guidance can often help challenge these denials.

Common Misconceptions About Chronic Illness Coverage

Many policyholders are uncertain about what their LTD insurance will or won’t cover. Here are some misconceptions we’ve encountered:

• Myth #1: “If I’m receiving treatment, I can’t qualify.”  

Reality: Receiving active treatment for conditions like cancer, such as chemotherapy or radiation, often strengthens your claim by demonstrating the ongoing impact on your daily functioning.

• Myth #2: “Chronic illnesses like MS aren’t considered disabling.”  

Reality: While symptoms may wax and wane, conditions like MS often include fatigue, pain, and mobility issues that make working impossible over time.

• Myth #3: “My claim will automatically be approved because my condition is severe.”  

Reality: Even severe illnesses require solid medical evidence and clear documentation to gain approval.

Practical Advice for Policyholders with Chronic Illnesses

If you’re managing a chronic illness and thinking of filing a claim, preparation is key. Here’s how to position yourself for a successful claim:

1. Review Your Policy  

• Understand the specific terms, conditions, and exclusions. If uncertain, seek assistance in interpreting the language.

2. Collect Comprehensive Medical Evidence  

• Gather all records, test results, and treatment summaries from your healthcare providers. Ask your doctors to provide detailed statements about how your condition limits your ability to work.

3. Avoid Common Filing Errors  

• Missing deadlines or failing to include required documentation can result in immediate denials. Keep thorough records and submit everything promptly.

4. Seek Legal Guidance  

• If you face a denial or anticipate complications, an experienced ERISA attorney can build a compelling case on your behalf.

How Bartolic Law Can Help

LTD claims for chronic illnesses require a deep understanding of policy nuances and the ability to present strong evidence. If you’re struggling to secure coverage for a condition like cancer or MS, Bartolic Law is here to help. Contact us today for a consultation, and we’ll guide you in turning your denial into an approval.