Lots of employers offer long-term disability coverage as part of their benefits package. The problem is that if they do suffer an accident that causes a disability, your coverage will not begin automatically. The fact is that you will still need to file a claim if you want to be compensated, and insurers routinely deny claims. Here are a few of the hurdles you must overcome in order to be approved for long-term disability insurance.
Long-term Disability Requirements
The first step to take when applying for long-term disability benefits is to review your company’s long-term disability policy. You will need to obtain this policy from your employer directly, even if there is an insurer administering your claim. The policy will contain a definition of disability that you will have to meet and what benefits you will receive if you meet that definition. In most cases, total disability means the inability to work or perform one’s own occupation due to an illness or injury. But most policies have a change in the definition after a certain period of time, after which you must show that you are disabled from any occupation. Some disability policies pay benefits for a partial disability, which means that you are still working but due to your injury or illness you are experiencing a decrease in your earnings, usually because you can no longer work full time.
Determining the policy’s definition of disability is just the beginning. The next step is to establish that you meet the definition of disability. You may need to do this by providing expert medical opinions establishing that you have an injury or illness and that is disabling, as well as the medical records and other information that provide the foundation for that opinion. You will want to proactively engage the claims administrator to ensure that he or she has all of the documentation necessary to find you disabled. This is where disability lawyers in Northampton, MA, like those from The Law Offices of Terrence A. Low and Anthony J. Canata can help.
How a Lawyer Can Help
Among other things, the right lawyers can organize your case. A successful case entails a lot of paperwork and preparation, and you may not be in the best position to do these things properly. An experienced lawyer will remove a considerable burden from you, by gathering the necessary documents and evidence and if conducting interviews if necessary. Experienced lawyers know what questions to ask and what information is needed. Finally, they can deal directly with the claims administrator so that you can concentrate on recovering from your injury or illness.
Get Professional Help
You’ll need all the help you can get to file a successful disability claim . Contact a qualified legal professional for help.
Requirements for Long Term Disability, Disability Secrets
Should I Hire a Long-Term Disability Attorney?, Nolo.com