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A stroke is a sudden, life-altering medical event that can leave individuals facing significant physical, cognitive, and emotional challenges. For many, returning to work after a stroke is not an option due to lasting impairments. Long term disability (LTD) insurance is designed to provide financial support when a stroke prevents someone from working, but securing these benefits can be a complex and frustrating process. An experienced long-term disability claims attorney can be a critical ally in helping stroke survivors navigate the claims process and secure the benefits they deserve.
A stroke occurs when the blood supply to part of the brain is interrupted or reduced, depriving brain tissue of oxygen and nutrients. The resulting damage can cause a wide range of impairments, including:
Yes, it is possible to obtain long-term disability benefits after a stroke. Eligibility depends on the severity of your impairments and how they affect your ability to perform work-related activities. Insurance companies require comprehensive medical evidence demonstrating that your stroke-related limitations prevent you from fulfilling your job responsibilities. Even if you recover some physical functions, cognitive deficits, speech impairments, and emotional challenges can make returning to work difficult or impossible.
Insurance companies often scrutinize stroke-related claims due to the varying degrees of impairment and the potential for partial recovery over time. Some common challenges include:
It is crucial to apply for LTD benefits as soon as it becomes clear that your limitations will prevent you from working for an extended period. Most LTD policies require claimants to file within a specific timeframe, often within 90 to 180 days after becoming disabled. Waiting too long can result in a denied claim or reduced benefits.
If your employer offers short-term disability (STD) benefits, you may need to exhaust those first before transitioning to LTD benefits. An attorney can help you navigate these requirements and ensure you meet all deadlines.
It is possible to receive long-term disability payments for a stroke, but you should consult an experienced disability lawyer. A knowledgeable LTD attorney can make a significant difference in the outcome of a stroke-related disability claim by:
LTD policies often have strict deadlines for filing claims and appeals. Missing these deadlines can result in the permanent loss of benefits. Consulting an attorney as early as possible can help ensure all paperwork is submitted correctly and on time.
If you or a loved one is struggling to secure life-long disability benefits after a stroke, our experienced legal team is here to help. We understand stroke survivors’ challenges and are dedicated to advocating for the benefits you deserve. Contact us today for a free consultation to discuss your case.
Yes, stroke is one of the leading causes of long-term disability worldwide. It often results in lasting deficits, including paralysis, cognitive deficits, speech difficulties, and emotional challenges.
The timeline varies depending on the type of disability benefits you apply for. Long-term disability (LTD) claims usually take several months. It depends on how quickly medical records are reviewed. If your claim is denied, the appeal process can add six months or more. Filing your claim early and providing strong medical documentation can help speed up the process.
Common reasons include lack of medical evidence, insurer claims that you can do sedentary work, and failure to meet deadlines. Insurers may also underestimate the impact of cognitive and emotional impairments.
If your claim is denied, you have the right to appeal. A disability attorney can review the denial, gather additional evidence, and submit a strong appeal to fight for your benefits.
Yes, many LTD policies require you to exhaust short-term disability (STD) benefits first. Applying for LTD benefits while on STD can help ensure a smooth transition.
The duration of LTD benefits depends on your policy. Some provide benefits until you reach retirement age if you remain unable to work. Others have a set limit such as two to five years.
Yes, age can impact LTD claims. Older individuals may have a stronger case since returning to work after a stroke can be more challenging. But younger applicants may face more scrutiny regarding potential recovery.
When you consult with Raval Trial Law an experienced Houston trial lawyer at our firm will engage you in a collaborative partnership. We understand the unique challenges associated with insurance disputes, and how to navigate them successfully and in a manner that accomplishes our clients’ objectives. Our practical, results-oriented mindset drives every facet of our legal representation. We are laser-focused on working towards the best possible solution for each client.
