A spinal condition can affect every part of your daily life. When pain or mobility issues keep you from working, Long Term Disability may be the only way to support yourself and your family. Still, insurance companies do not make it easy to qualify.
The claim process can be complicated and frustrating, but we will help you through it. Marc Whitehead & Associates knows how these claims work and will lead your case.
With 120 years of combined legal experience, our attorneys focus only on disability law. We’ve been helping clients for more than 30 years.
Our long term disability lawyers fight tirelessly to get results and secure the benefits our clients deserve. To review your options and next steps, call us today for a consultation.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
Our Spinal Conditions Long Term Disability Attorney Will File Your Claim
Applying for Long Term Disability benefits can feel like a burden, especially when you have a serious spinal condition. Insurance companies can ask for detailed records, medical evidence, and proof that your symptoms stop you from working.
Small mistakes or missing documents can lead to delays or denials. When you work with a nationwide disability lawyer from Marc Whitehead & Associates, you will have an advocate who manages the details and fights for your benefits.
Our spinal conditions Long Term Disability claim lawyer will:
- Handle complex paperwork and deadlines: Disability policies have strict filing rules. We will make sure your forms are accurate and submit them on time.
- Communicate with insurance adjusters and doctors: We will talk to the people who decide your case and ensure your doctors provide the right information.
- Present your condition clearly: Insurance companies may not understand how spinal conditions affect your ability to work. We will explain your pain, mobility limits, and daily struggles in a way they cannot ignore.
- Connect your benefits: Depending on your situation, we can explain how Long Term Disability may overlap with Social Security Disability or Veterans Disability, and how one type of benefit may affect another.
For a free legal consultationwith a spinal conditions long term disability lawyer serving Nationwide, call (800) 562-9830
What Spinal Conditions Does Long Term Disability Cover?
Insurance companies usually cover spinal conditions that limit your ability to work and that you can back up with strong medical proof. Some of the most common spinal conditions include:
- Herniated or bulging discs: Pressure on nerves can cause pain, numbness, and weakness.
- Degenerative disc disease: Age-related wear and tear can cause chronic pain and stiffness.
- Spinal stenosis: Narrowing of the spinal canal leads to pain, cramping, and mobility issues.
- Failed back surgery syndrome: Pain and disability continue even after surgery.
- Severe scoliosis or kyphosis: Curvature of the spine can affect breathing and physical function.
- Spinal cord injuries: Trauma can cause paralysis, weakness, or loss of sensation.
Our spinal conditions disability insurance claim lawyer will review your policy and explain whether benefits can cover your specific condition. We can also explain your policy’s definition of disability and answer other questions you may have.
Nationwide Spinal Conditions Long Term Disability Lawyer Near Me (800) 562-9830
How to Get Long Term Disability for Spinal Conditions
Applying for Long Term Disability requires more than just filling out forms. Insurance companies want objective medical evidence that shows why you cannot perform your job. Our attorney will gather the right information and present it clearly.
This often includes:
- Medical records, test results, and imaging scans (like MRIs)
- Reports from treating doctors about physical limits and pain levels
- Records showing how your condition affects daily activities
- Work history to explain why you cannot continue in your occupation
Our spinal conditions Long Term Disability claim lawyer prepares the paperwork, meets deadlines, and communicates with the insurance company for you. This takes stress off your shoulders and helps build a stronger case from the start.
Challenges People Face in LTD Claims for Spinal Conditions
Many claims are denied the first time. That is because spinal conditions can be hard to prove with medical tests alone. Common challenges with these claims include:
- Insurance companies saying there is not enough “objective evidence” of pain
- Disagreements between the insurance doctor and your treating doctor
- Claims that your condition is not severe enough to stop you from working
- Policies with unclear or unfair definitions of disability
Our spinal conditions LTD claim attorney understands these tactics and knows how to challenge the insurer’s position.
Why Choose Our Spinal Conditions Long Term Disability Claim Lawyers?
Choosing the right lawyer matters. At Marc Whitehead & Associates, we offer:
- Exclusive focus on disability law
- More than 30 years of service in Texas and nationwide
- 120+ years of combined attorney experience
- Double board certification in disability and litigation for Attorney Marc Whitehead
- Advocacy for veterans and people with all types of disabilities
- A proven track record with 1,500 five-star reviews
Our spinal conditions Long Term Disability law firm knows how to fight insurance companies, and we know how to win. Call us today for a consultation about your claim.
How to Appeal Long Term Disability Denial for Spinal Conditions
If your claim is denied, do not give up. You have the right to appeal, but deadlines are strict. We handle appeals by:
- Reviewing your denial letter to see why the claim was rejected
- Collecting additional medical reports and expert opinions
- Filing a detailed appeal within the required time limit
- Representing you in hearings or federal court if needed
Our spinal conditions Long Term Disability denial lawyer knows how insurance companies operate, and we will fight back if they unfairly deny your claim.
Common Questions About Disability Benefits for Spinal Disorders
People with spinal disorders often share the same concerns about disability claims. Here are answers to common questions people have. To get advice about your situation, you can call us.
Can I File My Claim Without a Lawyer?
You can file a disability benefits claim on your own. However, working with a spinal conditions LTD attorney can make the process smoother and lower the chance of errors. An attorney can also present your medical evidence in the format insurance companies expect, which may strengthen your case.
How Long Does It Take to Get Long Term Disability for Spinal Conditions?
Every case is different. Some people may receive a decision in a few months, while others wait longer, especially if more medical evidence is needed. Working with an attorney can help avoid delays by making sure the insurer has what they need up front.
Can Veterans With Spinal Injuries Qualify for Veterans Disability and LTD?
Yes. Because we handle Veterans Disability, Social Security Disability, and Long Term Disability, we will guide you on how these benefits may work together.
Our Spinal Conditions Long Term Disability Lawyer Will Take the Next Step for You
If a spinal disorder is stopping you from working, the last thing you should have to worry about is battling an insurance company. The team at Marc Whitehead & Associates helps people with serious back and spine conditions pursue their benefits.
We will take care of your claim and tackle insurers who challenge your right to receive benefits. We have built our reputation on helping people with serious disabilities, including veterans, workers, and families across the U.S.
We have been helping people for over 30 years, and disability is all we do. We are ready to help you. Call us for a consultation and let us put our experience to work for you. You can concentrate on your health while we handle everything else.