Knowing how to file a long-term disability claim is important. However, you can significantly improve your chances of success when you work with a skilled lawyer. At Marc Whitehead & Associates, we will help you file a conclusive disability application and oversee your case from start to finish.
We understand your hardship and know this is no time for you to fight against your insurance company. We take care of everything for you. The moment you become our client, we set out to remove your burden. Contact us today for a free consultation.
Understanding Your Long-Term Disability Insurance & Assessing Eligibility
Long-term disability (LTD) insurance coverage, whether from a group policy (ERISA) or an individual one, provides a portion of your income if you cannot work due to injury or illness. This coverage usually begins after short-term disability benefits expire and can last until retirement.
In addition, most long-term disability policies require you to file for Social Security disability benefits (SSDI) if you haven’t already. The LTD insurance company can “offset” your SSDI or SSI benefit against your LTD payment.
Importance of Reviewing Your Policy
Reviewing your policy’s specific terms and conditions is crucial in understanding the full extent of your coverage. It helps you and your lawyer determine the definition of disability per your policy, which can significantly affect your claim approval. It also clarifies key terms that directly impact your eligibility.
How To Determine Whether Your Condition Qualifies
To determine whether your medical condition qualifies as a disabling condition under your long-term disability policy, consider the following steps:
- Check the policy’s definition of a disability.
- Compare your medical condition to this definition.
- Review the severity and duration requirements.
- Consult with medical professionals for advice.
In all instances, your attorney will ensure you have the proper medical documentation supporting your claim.
Notifying Your Employer and Insurance Provider
Notify your employer or HR of your disability as soon as possible. It initiates the claim process and secures your rights under the policy.
Filing a long-term disability claim involves a few essential steps:
- Contact Your Insurance Provider: When your doctor confirms your disability, contact your insurance provider.
- Request a Claim Form: Some insurance providers offer the option of downloading this form directly from their website.
- Obtain Policy Documents: This document outlines the specifics of your coverage.
Gathering Medical Evidence
Comprehensive medical records demonstrate the severity and impact of your condition. Here are some steps on how to gather the information you will need:
- Obtain copies of all medical records from your doctor’s office, including your medical history, diagnosis, treatment plans, and progress notes.
- Include all relevant test results, such as blood tests, MRI scans, X-rays, and other diagnostic reports that support your diagnosis.
- Ask your treating physician to provide comprehensive information detailing your condition, the progress of your treatment, and a prognosis.
- Maintain a symptom diary, noting the frequency, severity, and impact on your daily activities.
- Request a comprehensive report if you’ve been referred to a specialist.
- Preserve ongoing treatment or therapy records, indicating your continuous efforts to manage your condition.
Finally, list all prescribed medications and their side effects, demonstrating their impact on your ability to work.
Working With Your Healthcare Professionals and Your Attorney
Regular dialogue fosters a better understanding of your condition and ensures your medical documentation accurately depicts your situation.
Here’s how medical professionals can assist you and your attorney in documenting your disability:
- Offering Expert Opinions: As medical professionals, their expert opinions can significantly influence your claim’s outcome.
- Documenting Your Treatment: They can provide detailed records of your ongoing treatment.
- Describing Your Symptoms: Doctors can accurately describe your symptoms and how they impact your day-to-day life.
- Highlighting Medication Impact: If your treatment includes medication, they can detail the drugs used, their purpose, and any potential side effects that impede your ability to work.
- Supporting With Specialist Reports: If your condition requires a specialist’s input, they can ensure these reports are obtained and included in your claim.
Hiring an attorney for long-term disability can ensure you receive detailed guidance on accurately completing the claim forms.
Contact Marc Whitehead & Associates to Help with Your Long Term Disability Application
Seek legal counsel for long-term disability application assistance or when facing denials. Our board-certified attorneys can guide you through the intricate process. We help you understand your rights and choose a practical and effective course of action to secure your benefits. Contact Marc Whitehead & Associates today for your free consultation.
