Long-term disability insurance is designed to provide financial assistance to those who have become disabled and are unable to work for a long period of time. However, not all claims are approved, and many people are denied coverage. In this article, we will discuss the types of long-term disability claims that are most likely to be approved and what you can do to improve your chances of being approved for long-term disability benefits.
Which LTD Claims Win?
The most common types of long-term disability claims that are approved include those resulting from chronic illnesses such as cancer, heart disease, and diabetes. Other common medical issues that are approved are those that can be evidenced with objective medical findings – like a back pain problem with MRIs of the spine that show disc herniations. Claims that result from injuries sustained in accidents or other traumatic events are also more likely to be approved. Additionally, claims that are supported by strong medical evidence are more likely to be approved than those that are not.
How Can I Improve My Chances of Winning?
To improve your chances of being approved for long-term disability benefits, there are several steps you can take. First, it is important to understand the terms of your policy and what is required to make a successful claim. Review your policy thoroughly to ensure that you understand the requirements for submitting a claim, including the deadlines for submitting paperwork and supporting documentation.
Next, it is important to provide strong medical evidence to support your claim. This may include medical records, test results, and physician statements. Be sure to provide detailed information about your medical condition and how it affects your ability to work. It is also important to keep your medical documentation up-to-date and to inform your insurance company of any changes in your condition.
In addition to providing strong medical evidence, it is also important to work with your insurance company and to follow their guidelines for submitting a claim. This may include submitting regular updates about your medical condition. You will also need to attend medical appointments as requested by the insurance company during the application process.
Finally, it is important to be persistent and to seek legal assistance if necessary. Your claim may be denied, but you should never give up on the benefits you are entitled to. Review the reasons for the denial and file an appeal. If necessary, consult with a disability lawyer who can help you navigate the appeals process and advocate on your behalf.
In conclusion, long-term disability claims resulting from chronic illnesses or injuries sustained in traumatic events are most likely to be approved. To improve your chances of your disability application being approved, provide strong medical evidence, follow the guidelines of your insurance company, and be persistent in pursuing your claim. Call Ortiz Law Firm at (888) 321-8131 to schedule your free case evaluation with a long term disability lawyer.
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