This Article Also Contains Tips to Help You Build A Strong Administrative File
The long term disability process can be long and frustrating. Having to speak to doctors, lawyers, and insurance representatives can be tiresome, especially if you are dealing with the daily frustrations of your disability. Creating a complete administrative file will help you build your long term disability case. We have some tips for you to help you not fall into some common pitfalls that can derail your case.
Get approved by not falling into these four traps:
Trap #1 Trusting that all your paperwork has been received
Although the insurance company is not out to harm you intentionally, sometimes things are misplaced. Always send documents through certified mail with return receipt and save copies. Don’t believe that if you send it in the mail, they will receive it. Be sure to call and follow up that your documents were received. Record who you speak to, what date and what time. If you miss a deadline, you could be in danger of losing your case, so it is essential always to verify that your documents arrived on time.
Trap #2 Believing that your claim is different compared to others
Eight out of 10 disability cases are denied on the first attempt. To the insurance company, you are just one of the many claims they are working on at any given time. Not to say that they don’t care about what you are going through, but they are also trained to look for ways to deny your claim and save the insurance company money. They are not emotionally invested in your case the way that you are. By building a strong administrative file, you increase your chances of approval.
Trap #3 The belief that all you need is a medical opinion from your doctor
There is a misconception that if your doctor takes you out of work, then you must be disabled and that should be enough for the insurance company to approve your claim. Unfortunately, the system does not work like that. Proving that you are disabled enough to receive long term disability benefits involves providing complete medical information, prognosis, and functional limitations. A note from the doctor will not be enough. Read your policy to understand how your insurance company defines “disability.”
How does your LTD policy define the term “disability”?
Every long-term disability policy has a definition of what “disability” means to the insurance company. They are usually “totally disabled” which means you can no longer work at all and “partially disabled” which means you can no longer work full time in your current job. It is also essential to know that your policy will outline precisely what they consider to be a disability, and your injury or illness must meet those minimum criteria to be eligible for benefits.
Trap #4 Believing that you cannot afford an attorney to represent you with your LTD claim
The vast majority of LTD attorneys work on a contingency basis. Working on contingency means they do not get paid until you do. If you do not win your case, then they don’t get paid. They have a vested interest in seeing you win and are trained to help you build a strong case.
Some attorneys ask you to pay the fees for things like obtaining your medical records from your doctors, but they handle the legal case. An experienced attorney will know how to help you win if you have a case.
Do you need an attorney?
Call The Ortiz Law Firm for a free consultation. You can ask any question that you would like, and our licensed attorneys will help walk you through the process. There is no obligation to use our firm, but we would love to help you with your case.