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, …
Medical Eligibility for Long Term Disability Claims
When Is a Person Considered Disabled by a Long-Term Disability Insurance Company?
If you possess a long-term disability policy, either provided by your employer or through a policy you’ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a copy of your LTD plan from …
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Long-Term Disability Insurance and Pre-Existing Conditions
A pre-existing condition exclusion is a provision in a long-term disability insurance policy that limits or excludes coverage for a disability caused by a condition that existed before the policy became effective. However, not all pre-existing conditions are excluded from coverage. You’re probably here today because your long-term disability insurance company has denied your claim for benefits, saying they’re …
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Medical Requirements for Long-Term Disability Claims: Providing Proof of Claim
Long-term disability claims are heavily decided by the medical evidence that is provided as part of fulfilling your “proof of claim” or “proof of loss.” Ultimately, it is the claimant’s burden to prove that a physical or mental condition has so negatively affected the claimant that the claimant can no longer continue in his or her career. Medical …
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