Although ALS is a progressive and fatal disease, to receive long term disability benefits your claim must still be supported by sufficient medical evidence and proof of appropriate treatment. It is also important to provide a detailed explanation of how your symptoms prevent you from performing your job duties. Don’t simply assume the insurance carrier will see the connection. You must explain it in detail.
What is Amyotrophic Lateral Sclerosis (ALS)?
Amyotrophic Lateral Sclerosis, often called “ALS” or “Lou Gehrig’s disease,” is a devastating neurodegenerative disorder that attacks nerve cells іn your spinal cord and lower brain. Specifically, it attacks the nerve cells responsible for transmitting messages from your brain to the voluntary muscles throughout your body. This causes a progressive inability to move your muscles, speak, eat, and breathe. ALS also causes an array of cognitive and emotional difficulties. There is no cure for the condition, which ultimately leads to death.
Despite the seriousness of ALS, it is still important to adequately document your claim. Knowing how to substantiate your long term disability claim (e.g., through medical evidence, proof of treatment, etc.) will help increase your chances of approval. Here’s what you need to know before filing your long term disability claim for ALS.