According to the CDC, about 61 million adults in the United States have a disability. That means 1 in 4 adults have some disability, whether back problems, autoimmune disorders, heart diseases, vision impairment, or one of many other disabling medical conditions. Living with a disabling condition is tough enough on its own, but one of …
Medical Eligibility for Long Term Disability Claims
5 Things You Need To Know About Long Term Disability and Knee Injuries
The gut-wrenching sound of a knee injury is a familiar sound for athletes. You may have witnessed a knee injury watching a professional basketball game. Knee injuries account for 50% of all injuries in athletes. But knee injuries don’t just happen under the lights in a large stadium. Knee injuries and pain are common in …
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Why It Is Important For Your Doctor To Write Up Your Functional Limitations
Your functional limitations are the most critical evidence for your long term disability claim. Your insurance company is interested in how your disability affects your ability to work. The insurance claim examiner (and a judge if your claim goes to court) will look for you to provide detailed doctor’s notes on activity limitations. This information …
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Residual Functional Capacity Forms [Download a Free RFC Form]
Residual Functional Capacity Forms play a pivotal role in evaluating disability claims. The disability claims handler deciding your long-term disability claim or Social Security Disability claim needs to assess your residual functional capacity (RFC) to determine if you can work. One way to accomplish this is by having a doctor assess your residual functional capacity and complete an RFC …
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Your Credibility and How the Insurance Company Assesses Your Complaints in Long-Term Disability Claims
When filing a long-term disability claim, it is essential to provide clear and consistent documentation of your medical history, including diagnoses, treatments, and the impact of your disability on your daily life. Your complaints should be supported by medical evidence, such as test results and physician’s reports, to validate the severity of your condition and …
The Treating Physician Rule In Long-Term Disability Claims
What – or who – is a treating physician? A treating physician is a medical doctor who provides medical treatment for you and has or has had an ongoing relationship with you. There must be a history of treatment between the medical provider and the patient for the medical provider to be considered a treating …
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If I Refuse Surgery, Can I Be Denied Long Term Disability Insurance Payments?
However, you should not be denied for failure to comply for the following reasonably compelling reasons: You cannot afford the treatment; The side effects of the medications are making your symptoms worse; The medications from different doctors are causing side effects to be worse; The prescribed medicine is against your religion; Your doctor says no …
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How Long Do You Have to Be Disabled Before You Can Qualify for Disability Insurance Benefits?
What is the Elimination Period? Having a long term disability insurance claim approved is a significant first step towards receiving benefits. The next stage is waiting to receive payment. This is called the elimination period. The elimination period is the period of time that you must wait to receive your first check after your benefits …
How Failing to Seek Medical Treatment or Comply With Your Doctor’s Recommendations Affects Your Disability Case
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 …
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 …
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