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Liver Disease Long-Term Disability Claims: What You Need to Know

Liver disease can make it hard—or even impossible—to work. If you or a loved one is struggling with job-related tasks due to liver disease, you may qualify for long-term disability (LTD) benefits. Here's what you need to know to get the support you deserve.

How Liver Disease Affects Work

The liver is vital for filtering toxins and aiding digestion. When it’s not functioning properly, you may experience:

Severe fatigue

Abdominal pain/swelling

Memory issues (hepatic encephalopathy)

Jaundice (yellow skin/eyes)

Frequent nausea and vomiting

Common conditions that may qualify for LTD:

Cirrhosis

Hepatitis B or C

Non-Alcoholic Fatty Liver Disease (NAFLD)

Liver cancer

Autoimmune hepatitis

Qualifying for Long-Term Disability Benefits

To get LTD benefits, you’ll need to prove your liver disease stops you from working. Insurers require:

Medical evidence (test results, scans, doctor’s notes)

Treatment records

Proof of functional limitations (fatigue, cognitive issues, pain)

Common Claim Challenges

Not Enough Medical Evidence Insurers often deny claims due to lack of documentation. Solution: Submit detailed records, liver function tests, and physician statements.

Symptoms Are "Subjective" Fatigue and brain fog are hard to measure. Solution: Keep a symptom diary, get a doctor’s RFC assessment, and ask coworkers to provide statements.

Non-Compliance with Treatment Claims may be denied if you're not following your doctor’s advice. Solution: Stick to your treatment plan and document everything—including side effects.

SSDI vs. Private LTD Insurance

SSDI (Social Security Disability):

Government-run

Strict rules, may take longer

Some liver diseases qualify for faster approval

Private LTD Insurance:

Through your employer or private insurer

Covers 50–70% of income

Easier to qualify than SSDI, but denials still happen

How Raval Trial Law Can Help

Our legal team knows how to handle liver disease LTD claims. We can:

Gather and organize your medical records

Handle all insurance company communication

Appeal denied claims with solid evidence

Fight for your financial support, so you can focus on your health

Why Choose Raval Trial Law?

We help clients avoid costly delays and denials by ensuring claims are filed correctly and backed by strong medical proof. Don’t let insurance companies deny the support you need.

Contact us today for a free consultation. Let’s get you the benefits you deserve.