Living with heart disease can make it impossible to keep working. If you are struggling with your health and job, you may be able to file a Long Term Disability (LTD) claim. These claims and the process they involve can be complicated, but we are here to help you.
At Marc Whitehead & Associates, we focus only on disability law. Our Long Term Disability lawyers have more than 120 years of combined experience, and our firm has been serving clients since 1992. We wrote the book on disability law, and disability is all we do.
Our team has earned over 1,500 five-star reviews. Whether you are filing your first claim or appealing a denial, our heart disease Long Term Disability lawyers are here to help you get the disability benefits you paid for. Call us today for a private consultation.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
What Are Long Term Disability (LTD) Benefits?
Long Term Disability benefits are monthly payments you receive when a serious health condition prevents you from working full-time. These payments usually replace a percentage of the income you earned before you became disabled.
They are designed to help you pay for everyday expenses like housing, food, and medical care while you focus on your health. It’s important to note that the exact percentage depends on your specific policy.
Depending on your plan, benefits might end after a set period or continue until retirement age or a return to employment. Our nationwide disability lawyer can help.
For a free legal consultationwith a heart disease long term disability lawyer serving Nationwide, call (800) 562-9830
How to Get Long Term Disability for Heart Disease
Applying for Long Term Disability benefits is not simple. Insurance companies require strong proof that your condition prevents you from working.
Having a legal professional on your side can strengthen your case and help ensure your medical evidence, job history, and deadlines are presented in the clearest way possible.
Our heart disease disability insurance claim lawyer can help by:
- Gathering detailed medical records and test results
- Working with your doctors to explain your limits
- Preparing your claim forms to avoid errors
- Handling all communications with the insurance company
- Answering your questions about your policy’s definition of disability and the differences between STD (Short Term Disability) and LTD.
Many people run into problems when they try to apply on their own. Paperwork mistakes, missed deadlines, or vague medical records can lead to denials. Having our team on your side makes a difference in the outcome of your claim.
Nationwide Heart Disease Long Term Disability Lawyer Near Me (800) 562-9830
Evidence Needed for a Heart Disease Long Term Disability Claim
To receive benefits, you must show how your heart–related illness stops you from working. Helpful evidence we can use to prove this includes:
- Medical imaging and test results (electrocardiograms, stress tests, echocardiograms)
- Records of hospital stays, surgeries, or ongoing treatment
- Statements from your cardiologist about your limits
- Vocational reports explaining why you cannot perform your job
Our heart disease LTD claim attorney will gather this evidence and present it in a way insurers cannot ignore.
Which Heart Diseases Are Covered Under Long Term Disability?
Not every heart problem qualifies for disability insurance payments, but many do. Common heart health disorders that may qualify include:
- Coronary artery disease
- Congestive heart failure
- Arrhythmias (such as atrial fibrillation)
- Cardiomyopathy
- Heart valve disorders
- History of heart attack or stroke with lasting complications
- Severe hypertension leading to organ damage
If your condition prevents you from working full-time, you may be eligible for benefits. Our heart disease Long Term Disability claim lawyers will review your case and answer questions such as what to do if your heart attack disability claim is denied. From there, we will determine the appropriate approach for your situation.
Common Challenges in Heart Disease LTD Claims
Even with strong medical evidence, many people face barriers when filing an LTD claim. Common challenges we handle include:
- Incorrect forms or missed filing dates
- Doctors not providing detailed enough notes about your limits
- Insurance companies claiming medication controls your symptoms
- Claims that you can still perform “sedentary” desk work
An experienced lawyer from Marc Whitehead & Associates will address these problems and strengthen your case. Call us today for a private consultation.
How to Appeal Long Term Disability Denial for Heart Disease
Many heart disease LTD claims are denied at first. Denials happen for reasons such as:
- Insurance companies claiming you can still do “sedentary” work
- Medical evidence not being strong enough
- Missed deadlines or incomplete paperwork
Our heart disease Long Term Disability law firm will carefully review the denial letter, gather new medical and vocational evidence, and file a strong appeal on your behalf. Appeals are often the most critical step, and having experienced representation is vital.
Why Choose Our Heart Disease Long Term Disability Claim Lawyers?
When you are living with a serious heart condition, you want a law firm that knows disability inside and out. At Marc Whitehead & Associates, we focus entirely on disability claims.
This means every lawyer, paralegal, and staff member is trained to handle the unique challenges that come with filing and appealing Long Term Disability claims. Here’s what sets us apart:
- We handle only disability claims: Our attorneys don’t divide our attention across many practice areas.
- We wrote the book: Our attorneys are recognized leaders in disability law.
- Proven experience: We’ve served clients for more than 30 years with 120 years of combined legal knowledge.
- Board–certified leadership: Marc Whitehead holds dual board certifications in disability law and litigation.
- Our clients trust us: More than 1,500 five-star reviews reflect the care and results we provide.
When you work with us, you have lawyers on your side who understand the process, the insurers, and the law.
FAQs About Heart Disease and Long Term Disability
When your health and your financial future are on the line, it’s normal to have questions. Below are answers to some of the most common questions we hear from clients about filing and appealing Long Term Disability claims for heart disease.
What if My Long Term Disability Claim Was Denied?
If your claim is denied, you still have options. An appeal of a heart disease Long Term Disability denial allows you to submit stronger medical evidence and provide a clearer explanation of how your condition limits your ability to work.
Our lawyers can guide you through each step of this process and address the reasons the insurance company gave for the denial.
Can I File a New Claim if My Appeal Fails?
Sometimes, yes — but it depends on your policy and deadlines. Certain insurance contracts allow a new filing after an appeal is closed, while others do not.
Our disability insurance claim lawyer for heart disease will review your plan documents, explain the rules, and help you understand whether starting over with a new claim is possible.
Can I Apply for Both Long Term Disability and Social Security Disability?
Yes. Many people pursue both types of benefits at the same time. Long Term Disability is a private insurance benefit that replaces part of your income, while Social Security Disability (SSDI) is a federal program with its own rules.
Our attorneys handle both types of cases and can explain how LTD payments and SSDI benefits can affect your situation.
Do I Need a Lawyer to File a Heart Disease LTD Claim?
You can file on your own, but mistakes are common, and they could delay your claim. Working with a heart disease disability insurance lawyer helps ensure that your application is complete, your doctors provide clear statements, and your claim is presented in the strongest way possible.
How Long Does It Take to Get LTD Benefits for Heart Disease?
The timeline depends on your insurer, the complexity of your medical records, and whether your claim is denied and must be appealed. Some claims resolve in a matter of months, while others can take a year or more.
Our experienced LTD attorney for heart disease claims will manage all deadlines and keep your case moving forward.
Do I Have to Stop Working Before Filing for LTD Benefits?
Yes. These benefits are intended for people who can no longer maintain full-time employment because of their health. For heart disease, this may mean stopping work earlier than you expected, especially if your doctor advises against physical or high-stress activities.
We will review your situation and explain when and how to stop working before filing your claim.
Call Our Heart Disease Long Term Disability Lawyer Today
Filing or appealing a Long Term Disability claim for heart disease is a challenging process. Insurance companies may try to deny you, but we are ready to talk to them and explain how your condition truly affects your ability to work.
Our heart disease Long Term Disability lawyer will guide you through the process, stand up for your rights, and advocate for the benefits you deserve. Call the team at Marc Whitehead & Associates today for a private consultation.
With more than 30 years in business and a track record of success, we are ready to help.