Long-term disability insurance (LTD) pays qualified workers a monthly stipend if they cannot work due to illness or accident. Filing long-term disability insurance claims can be difficult and time-consuming if you don’t know what to expect. Keep the following items in mind if you’re thinking about filing an LTD claim.
Tips to help you when filing long-term Disability Insurance Claims
Examine and understand your LTD policy
Whether you have group LTD coverage through your employer or individual LTD insurance, you should first receive the policy. Your employer’s human resources department can provide you with the plan and a copy of the summary plan description. Afterward, contact individual insurance plans.
You should receive all LTD plan documentation should in writing. Also, study it entirely once you have it.
Show Medical Evidence of Claims
Your medical records and doctor’s views are two of the most critical aspects of your LTD case. Your insurance company will gather your current medical data when you file a claim. Furthermore, they will ask your doctor for an opinion on your limits.
Don’t assume that the insurance company has all the necessary records, and don’t assume that your documents are accurate. If your medical records are missing, locate them and send them to your insurance company. All relevant hospital records, physician notes, MRIs, x-rays, and lab findings are part of this.
Lastly, request that your doctor corrects any inaccuracies in your file.
Exhaust all of your appeals before moving to federal court.
If they deny your LTD claim at the initial level, you will have at least one or two administrative appeals. If you don’t already have one, you should engage a disability attorney right away.
Your attorney will work with you to bolster your case with as many favorable medical facts as possible. Hence, you will be successful at the end of your administrative appeals.
