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If you are one of the 26% of American adults living with a disability, you may be wondering what automatically qualifies you for disability benefits? And where can you go to get benefits?
Texans suffering from severely debilitating or life-threatening disabilities may be eligible for immediate benefits from private disability insurance or the Social Security Administration.
However, initial applications for disability benefits are often denied, and you will benefit from the help of a trusted and experienced disability attorney.
Texas disability attorneys regularly work on behalf of those suffering from chronic illnesses and disorders apply for and win disability awards. Here is a quick glimpse into what you need to know about expedited disability benefits:
What Conditions Qualify for Expedited Disability Benefits?
Both SSDI and private insurance companies have lists of diagnosed illnesses and afflictions that automatically qualify disabled persons for disability benefits.
Social Security Disability Benefits
Social Security’s Compassionate Allowances program has compiled a list of over 242 illnesses that automatically qualify a client for automatic approval of benefits.
Included in the list of illnesses are:
- Cardiovascular conditions
- Cancers
- Mental disorders
- Musculoskeletal conditions
- Nervous system disorders
An SSDI claimant need not file a separate or particular application denoting their qualifying condition. The SSA’s claims processing software automatically identifies diseases with a high probability of allowance and moves the claimant’s application for expedited processing.
Private Disability Insurers
Some disability companies have also compiled lists of qualifying disabilities for immediate approval of long-term disability benefits or other allowances.
Often on the lists are conditions including:
- Debilitating heart conditions
- Terminal cancers
- Blindness
- Deafness
- Traumatic brain injury
- Paralysis
Policyholders suffering from a listed disability will benefit from faster approval of their long-term disability claim.
Verifying Your Disability
Social Security Disability Benefits
Once an SSDI applicant has been identified with a qualifying disability for immediate approval, they must present a medical diagnosis of the disease and evidentiary support. Social Security’s Blue Book details acceptable and necessary evidence, which includes:
- Objective medical evidence
- Documentation of the severity of the disability
- Ongoing medical and non-medical documentation of the illness and its limiting effects
- Consultative examinations
Private Disability Insurers
If you suffer from a condition qualifying you for automatic private disability benefits, you need only confirm the diagnosis of your disability. However, your diagnosis must meet the exact parameters of the insurer’s qualifying disability. It also must be supported by extensive evidence supporting the diagnosis:
- Objective data
- Diagnostic Studies and Tests
- Medical Records
File Your Disability Claim with the Help of a Texas Disability Attorney
It may interest you to know that both Social Security and private disability insurers reject a high percentage of original claims for long-term disability insurance. An initial denial of your claim can result in unneeded stress and anxiety during an already challenging time.
Texas disability attorneys know how to navigate the SSA and private disability insurers.
An experienced disability lawyer understands the requirements of SSDI and will prepare your application to meet the necessary criteria for approval.
Further, a savvy disability attorney is wise to the tactics used by private disability insurers to delay or deny policyholders’ claims and will represent your claim aggressively for approval.
Contact our office today for a comprehensive claim review by a knowledgeable and skilled disability attorney. We are committed to seeing you through the submissions, appeals, and litigation process if necessary, to win you the benefits you need and deserve.