01/13/2026
When you're living with a chronic illness, qualifying for long-term disability benefits isn't just about having a diagnosis-it's about how your condition affects your ability to function day to day.
This blog from Marc Whitehead & Associates explains the most common ways insurers misunderstand chronic illness-and why legitimate long-term disability claims are often denied.
Here's the basic idea:
• Chronic'illnesses often involve fluctuating or "invisible" symptoms like fatigue, pain, and cognitive impairment
• Insurers frequently rely on rigid definitions and paperwork, rather than real-world limitations
• Medical records that don't clearly document functional impact are often used to justify denials
• Long-term disability claims require ongoing, consistent evidence not just a diagnosis
Without strong documentation and a clear narrative, insurers may downplay the severity of chronic conditions, leading to delays, appeals, or benefit terminations. Understanding what insurers look for-and what they get wrong can make a critical difference.
📕 Read the full blog: "Chronic Illness and Long-Term Disability: What Insurers Get Wrong" at DisabilityDenials.com
If your long-term disability claim has been denied, delayed, or terminated, our experienced disability attorneys can help review your case and discuss your options.
Call (713) 715-1718 to request a consultation.