The most common way the insurance company checks this is to see whether you sought treatment for your disability. Naturally, if you have not seen a doctor about your disability, you will have no evidence to support your claim, and you will be denied. The meaning of “treatment” is more than just an initial visit …
Disability Law Blog
How Do You Qualify Medically for Long-Term Disability Insurance Benefits?
When applying for benefits, you will need to gather many documents from your doctors, but what information do you need to provide to prove that you qualify medically for long-term disability benefits? You must provide your insurance company with medical records from only the doctors treating you for your disability. Providing medical records that are …
How Do You Qualify Medically for Long-Term Disability Insurance Benefits?Read More
Filing an LTD Claim: What to Know
If your long term disability policy is part of a group plan, you should contact your human resources manager to obtain a copy of your summary plan description and a disability claim application. If you purchased an individual disability insurance policy, you should contact your broker or insurance agent for an application. Under either scenario, …
Why It’s Important to Get a Copy of Your Long-Term Disability Policy or Plan
At the end of the day, a long-term disability claim is governed by a contract. You, perhaps through your employer, but with an insurance company, have an agreement where if you’re unable to work they’re to pay you benefits under the disability plan. Most people, when they’re given this type of benefit through their employer, they receive …
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The Insurance Company’s Point of View
In October 2017, I received an email from a long-term disability defense attorney announcing his involvement in a webinar. The webinar’s title was “ERISA Wrongful Denial of Benefits Claims: Procedural Prerequisites and Key Defenses.” The email laid out the issues they were going to cover, which gives you insight into how an insurance company will …
Long Term Disability Guidelines
Completing paperwork for your long-term disability claim is one of the first steps in the process. While it is essential to provide accurate and thorough information, too often people share too much or not enough on their paperwork that can open the door for a denied claim. Step 1: Don’t Generalize Your Symptoms Stating specifically how your …
Long-Term Disability for Government Employees
For the purpose of this article, we’re classifying government employees as anyone who works for a municipality, state, or the United States federal government. Another thing to clarify is that we’re talking about government employees with long-term disability insurance policies through a group plan or their employer. We are not talking about plans that were …
Will My Social Security Disability Impact My Long Term Disability?
Long term disability (LTD) and Social Security Disability (SSD) are two very different disability benefits. Long term disability insurance is a policy you buy (and/or your employer purchases) to help cover your expenses in the event you become disabled through injury or illness. The Social Security Disability benefits program is a government-funded program that you …
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How Much Does Long Term Disability Pay?
If you become disabled during the time you are employed full-time, you may be eligible for disability benefits. How much you will earn will be dependent on your policy. Sometimes the wording in long term disability policies can be lengthy and confusing. Here are some answers to frequently asked questions about long-term disability pay: How …
Can a Long Term Disability Lawyer Speed Up a Case?
Some people get approved within weeks after their initial appeal; others take many more months or even years longer than the average. The following timeline is based on our years of experience in handling dozens of Short Term and Long Term Disability claims. It can be a very helpful tool for anyone going through the …