It’s important to understand the process of how to get long-term disability approved. Getting approved for long-term disability (LTD) can bring peace of mind and financial security to you and your family. However, it is a complex process, and often these claims are denied. You can increase your chances of success by following a few crucial guidelines, e.g., ensure the application is complete and keep accurate medical records, among others. However, one of the most effective ways to succeed is to hire a knowledgeable and compassionate disability insurance claim lawyer.
Please contact us at Marc Whitehead & Associates if you have concerns or questions regarding your LTD claim. We are a law firm that focuses on these issues, including experience in appealing and litigating all forms of group LTD and individual long-term disability insurance claims. We can help you take action swiftly—timing can be critical to your case. The moment you become our client, we set out to remove your burden so that you can focus on your family and your health.
Guidelines for Getting Your LTD Approved
Attention to detail, reading the fine print, and gathering documentation are some of the skills needed to get your LTD approved. In addition, ensure that you or your lawyer does the following:
- Comply with all deadlines. Under an individual long-term disability policy, you have 60 days from your diagnosis to submit your application. If your application is denied, you have 180 days to appeal.
- Provide evidence that establishes your disability. It can include medical records, reports from your treating physician, vocational evaluations, and statements from relatives, friends, and coworkers. It is also a good idea to include a letter from your doctor explaining why you cannot work due to your injuries or medical condition.
- Tell the truth and conduct your daily activities, assuming that a private investigator is observing you. In other words, ensure there are no inconsistencies between the severity of the injuries you have claimed and what you do daily. Insurance companies are focused on the bottom line, so they will do everything possible to minimize the benefits you receive. For example, if a private investigator captures you on video playing with your dog when you’ve stated that you cannot walk, your claim will likely be denied. It’s also crucial to avoid posting anything on social media that might hurt your claim.
- Seek regular treatment for your injury or condition. Insurance companies are looking for any reason to deny your claim. If you do not do this, you leave the door open for the insurance company to argue that you must not be that seriously injured or that your failure to receive treatment has worsened your injury or condition. You can remove these potential justifications for denial by seeking treatment or rehabilitation.
With so much on the line for you and your family’s emotional and financial well-being, we recommend consulting with an experienced long-term disability lawyer as soon as possible. You will have an opportunity to learn more about the LTD application process, the strengths and weaknesses of your case, any looming legal deadlines, and the best course of action to maximize your chances of getting approved.
Our veteran attorneys at Marc Whitehead & Associates are well-versed in the complexities of filing an LTD claim. We have a proven track record of success. It is our goal to help clients get their lives back on track with the benefits they need to live fulfilling lives. We are based in Texas but accept clients nationwide. We work on a contingency basis, so there are no upfront legal fees to get started. Contact us for a free, no-obligation consultation.