Long-term disability (LTD) insurance is designed to offer a steady income stream while you cannot work. According to industry data, most claims are approved, although many genuine claims are denied. If you had completed the application differently, you might have avoided these denials. This blog post will go over essential strategies to help you get your long-term disability claim approved.
You’ll need to fill out much paperwork to apply for LTD, starting with the insurance company’s applications. The benefit booklet is merely an overview. It will include much more information in the policy, which may be challenging to comprehend. It’s vital to read the exact policy wording in some circumstances. If any of these or other provisions apply to your claim, you should get legal advice from a long-term disability lawyer.
Some LTD applications are denied because you checked the wrong box, entered the wrong date, or misdescribed the illness or injury. Before entering any information, make sure you understand what you’re being asked. Before you send it, double-check it.
You should fill out the entire application package without exaggeration and honesty. Insurance arrangements, especially long-term disability contracts, require both parties to behave in good faith. If you’re caught lying, or if the LTD insurer suspects you’re lying, your claim will very certainly be denied. When the information is consistent and verifiable, overturning a refusal is significantly easier.
Disability claims revolve around functional restrictions and limitations. While diagnosis is crucial, LTD insurers are more interested in function or why you cannot work. Describe what is preventing you from fulfilling your job obligations in detail. Furthermore, prescription side effects make it difficult to concentrate and focus while operating heavy machines.”
The insurer must consider the complete picture, not just your primary ailment. However, you do not need to detail every medical problem you’ve ever had; only those that caused or contributed to your absence from work should be listed.
If you consult a lawyer first, your chances of getting your claim approved are better. Experienced LTD attorneys such as Abell & Capitan will provide you with an evaluation of your application. If your claim is allowed, you won’t need any legal help anymore.