For patients with cancer, both the disease itself and the treatment process can be severely disabling. Few employees diagnosed with cancer can adequately continue to perform their work. Disability benefits can help these employees cover living expenses as they fight the disease, but getting disability payments for cancer patients is dependant on a variety of factors and getting approved for disability benefits for cancer is not always easy.
In this blog, we’ll discuss what it takes to successfully file for disability payments, both short-term and long-term, on the basis of cancer. We’ll explain the factors that will impact the determination of your claim and how you can give your disability insurance application the best chance at getting approved.
Getting Short-Term Disability Payments for Cancer
Short-term disability insurance can be bought through an employer, a private insurer, or in some states like New Jersey, through a state-run disability program. This insurance is designed to cover a portion of a person’s income if they become temporarily disabled (up to six months) for a medical condition.
Short-term disability policies vary from person to person, and the specifics of each plan will outline which conditions qualify a person for benefits. For short-term policyholders with a cancer diagnosis, an experienced disability law firm serving Montgomery County and all of the Philadelphia region can help you understand your policy and file your paperwork correctly to get approved for benefits. They can also help you file for long-term disability benefits should you need them.
Getting Long-Term Disability Payments for Cancer
Long-term disability insurance can be bought through an employer or a private insurer. This coverage is meant to help patients support themselves financially after short-term benefits run out. Claims for long term disability benefits are often scrutinized heavily, which is why it is advised you seek the help of a seasoned team of long-term disability lawyers to give your claim the best chance at getting approved.
To get long-term disability payments for cancer, the type and severity of your cancer will play an integral part in the determination. In most cases, stage 1 cancers can be removed surgically, and will therefore not qualify a person for long-term disability. Stage 2 and stage 3 cancers are more severe as they’ve begun to spread to other parts of the body. If a patient with stage 2 or stage 3 cancer experiences severe side-effects or symptoms, it can help be used as a basis for their claim. Stage 4 cancers are often associated with these severe symptoms and will, therefore, be relatively easy for a long-term disability lawyer in Philadelphia to defend.
Contact A Disability Law Firm For Help Today
Your ability to get disability payments for cancer depends on the specifics of your insurance policy. Our attorneys at Rosen, Moss, Snyder & Bleefeld, L.L.P. can help you understand your policy and file for disability insurance.
Contact us by phone or online to speak with one of our experienced disability lawyers today.