Does Disability Insurance Cover Autoimmune Disorders?

Autoimmune disorders are serious and sometimes fatal conditions that can make it impossible for you not only to work, but also accomplish day-to-day tasks. At DarrasLaw, our attorneys offer compassionate representation to clients across the country. Depending on the details of your policy, we can help you apply for disability benefits or fight your insurer's denial.

Am I Covered?

Disability insurance may cover your illness if you can prove an autoimmune disorder has made it impossible for you to work or execute basic tasks; however, this is always subject to what is outlined in your specific policy.

Some of the most common disorders covered by disability insurance are:

  • Human immunodeficiency virus (HIV)
  • Lupus
  • Multiple sclerosis
  • Rheumatoid arthritis
  • Systemic vasculitis

Additionally, disorders such as Type 1 diabetes, Hashimoto's thyroiditis and Graves' disease may also fall under your policy's terms concerning this type of disability.

How Are Claims Evaluated?

The insurance company takes into account many different factors when evaluating disability claims. Medical records are among the most important. Our lawyers can help you prepare a strong application by including exam results, doctor's assessments, and any other information that may increase your chances of having your claim approved or denial reversed. We can also help you understand the terms of your insurance policy to determine if your condition is covered.

Helping You Every Step Of The Way

When you need a caring legal team to assist you in applying for and obtaining the disability benefits to which you may be entitled, trust us to help you every step of the way. Call 800-458-4577 or fill out our contact form to schedule a free consultation.