Skin disorders can be more than a cosmetic nuisance. They can also cause serious disability with long-term health implications. If your chronic skin disorder impairs your ability to work, you may qualify for long-term disability insurance benefits.
Skin Disorders That Can Cause Functional Impairment
Certain skin diseases that are chronic and serious can impact your ability to work. Some examples of situations in which skin disorders can limit your ability to work include the following:
- Bullous disease with skin lesions that persist long-term on the hands, which impairs the ability to complete many fine and gross motor movements;
- Dermatitis with skin lesions on your feet that impair your ability to stand or walk during work; and
- Genetic Photosensitivity Disorder, which prevents you from working in a situation where you will be exposed to ultraviolet light
It is important to document your symptoms and seek treatment before filing a claim for long-term disability insurance benefits. If your insurance company denies your claim, or you need assistance gathering evidence and filing your claim, contact an attorney with experience handling long-term disability cases. Even if your initial claim is denied, you have the right to appeal internally within the insurance company.
These appeals are hard to win, because the insurance company is reexamining its own decision. However, you will still want to present the strongest possible case, because the evidence used during the appeal will be reviewed again if you decide to take your case to court.
Chisholm Chisholm & Kilpatrick can help you with your long-term disability insurance benefits claim and appeals. To schedule a free consultation with a long-term disability attorney, contact us here.