Long-Term Disability: What You Need To Know About Applying

Chronic illnesses and sudden accidents can often make it difficult or impossible to earn a living, threatening one's financial security and the entire family's well-being. Though there are many state and federal programs that can assist disabled workers with a certain amount of income, disability law generally requires that individuals exhaust their own individual resources prior to qualifying. Luckily, if you have a long-term disability insurance policy, you should be able to gain the financial support needed.

Review Your Policy

Private insurance companies will generally deny long-term disability claims if there is little evidence to back it up; therefore, it is important to ensure that your application is as strong as possible. Begin by getting a copy of your policy and become familiarized with all of the coverages and exclusions. If you are confused by any of the language in the policy, consult with a disability law attorney.

Pay Close Attention to Deadlines

The long-term disability claim process can be pretty lengthy as appliances are required to submit supporting paperwork and evidence on top of the initial applications. If you miss just one deadline, it can provide the opportunity to the insurance company to deny your insurance claim. Therefore, it is crucial that you review your policy carefully and be familiar with any and all important dates and deadlines.

Gather Your Medical Records

Due to the fact that the decision of the insurance company will be based on your health care records, it is important that you are familiar with what is contained in them. Get copies from your doctors and ensure that the records contain proof of your medical condition and its severity.

Hire a Long-Term Disability Attorney

When it comes to long-term disability insurance claims, the stakes are significantly high and the claims process is quite complex. With that being said, you probably don't want to go about it on your own. However, to ensure that you get the best possible outcome, it is recommended to work with a professional long-term disability attorney who can help you with the preparation and submission of the initial application, assembly of the necessary evidence to support your application and case, and ensure that you don't miss any of the important deadlines.

If you would like to learn more about the long-term disability claims process or how an attorney can help you navigate the application process, get in touch with a long-term disability attorney in your local area.

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