Suffering a severe injury may mean losing the ability to continue working and earning a living. This can cause you a lot of stress if you are used to working and especially if you have to provide for a family. Fortunately, you may be able to seek long term disability benefits if you are a participant in your company’s long term disability plan and use them as a financial aid in paying for medical bills, monthly bills and other costs.
The process of filing for long term disability may seem a little complicated at first, but it does not have to be if you are proactive and consider these steps, which will help you receive this type of disability benefit as quickly as possible.
Gather Evidence and Create a Medical History
The first thing you need to do is to gather medical evidence. You need to have proof that your injury is real and that it is severe enough to keep you from work. Failing to present such evidence could prevent you from ever receiving any type of long term disability benefits.
Of course, the best way to gather medical evidence is to visit your primary care doctor and any specialists who may be able to treat your condition. Be sure that they understand that you are seeking long term disability benefits and request their assistance in completing any required forms. Have them send copies of your medical records, including tests or screening information, to your insurance company. Remember, the insurer may request them but it is ultimately your responsibility to provide proof of your claim. Your doctors can confirm that your injuries do exist, helping the disability process move along smoothly. Make sure your doctor’s statement about your injury is as detailed as possible. You do not want your insurer to question vague accounts of your injury in the records.
Whether you are dealing with your claim alone or with the help of a long term disability Massachusetts lawyer, it is important to be honest with the insurer. Let them know how the injury occurred, and do not overstate how bad your injury is. Doing so could hurt your claim for benefits or worse, it could have the insurer believing that you filed a fraudulent claim.
It is possible, and even likely, that an insurer will investigate your claimed restrictions and limitations. They may hire an investigator to monitor your behavior and take video footage. They may send representatives to your home to assess your condition, seeing if you are being fraudulent or not. For these reasons, it is best to be honest when you describe your injury or illness, and be ready to explain anything that you may do that is inconsistent with what you have said. This includes being honest with your Massachusetts long term disability attorney. Make sure you tell them everything correctly so that they can help you receive the benefits you are entitled to.
With these tips in mind, you can deal with a long term disability claim in an appropriate manner, which will increase your chances of receiving benefits and allow you to live as normal a life as possible again.