When filing a long-term disability claim, it is essential to provide clear and consistent documentation of your medical history, including diagnoses, treatments, and the impact of your disability on your daily life. Your complaints should be supported by medical evidence, such as test results and physician’s reports, to validate the severity of your condition and …
Long-Term Disability
The Treating Physician Rule In Long-Term Disability Claims
What – or who – is a treating physician? A treating physician is a medical doctor who provides medical treatment for you and has or has had an ongoing relationship with you. There must be a history of treatment between the medical provider and the patient for the medical provider to be considered a treating …
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Ten Traps That May Disable Your LTD Insurance Claim
The long-term disability claim process is often long and frustrating. Having to track down medical records and speak with insurance representatives can be tiresome, especially if you are dealing with the daily frustrations of your disability. You can help minimize your frustration by building a well-supported disability claim. Here, we share some tips to help you build a …
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If I Refuse Surgery, Can I Be Denied Long-Term Disability Insurance Payments?
However, you should not be denied for failure to comply for the following reasonably compelling reasons: You cannot afford the treatment; The side effects of the medications are making your symptoms worse; The medications from different doctors are causing side effects to be worse; The prescribed medicine is against your religion; Your doctor says no …
If I Refuse Surgery, Can I Be Denied Long-Term Disability Insurance Payments?Read More
How Long Do You Have To Be Disabled To Get Disability Insurance Benefits?
Becoming disabled can be a scary thing. Most of us plan to work until at least retirement age. We expect to have our homes paid for, and children moved out by that time. But life is unpredictable, and sometimes people become disabled before retirement. It helps to understand how long it will take to start …
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How Failing To Seek Medical Treatment Or Comply With Your Doctor’s Recommendations Affects Your Disability Case
When your disability insurance company is reviewing your long-term disability claim, they will be evaluating your credibility. They will be looking to see if the evidence you provided proves that you have been truthful about your symptoms, pain levels, and inability to work. The most common way the insurance company checks this is to see whether you …
How Do You Qualify Medically For Long-Term Disability Insurance Benefits?
When applying for benefits, you will need to gather many documents from your doctors, but what information do you need to provide to prove that you qualify medically for long-term disability benefits? You must provide your insurance company with medical records from only the doctors treating you for your disability. Providing medical records that are …
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Why It’s Important To Get A Copy Of Your Long-Term Disability Policy Or Plan
At the end of the day, a long-term disability claim is governed by a contract. You, perhaps through your employer, but with an insurance company, have an agreement where if you’re unable to work they’re to pay you benefits under the disability plan. Most people, when they’re given this type of benefit through their employer, they receive …
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The Long-Term Disability Insurance Company’s Point Of View
I recently received an email from a long-term disability defense attorney announcing his involvement in a webinar. The webinar’s title was “ERISA Wrongful Denial of Benefits Claims: Procedural Prerequisites and Key Defenses.” The email laid out the issues they were going to cover, which gives you insight into the long-term disability insurance company’s point of …
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Long-Term Disability Guidelines
Completing paperwork for your long-term disability claim is one of the first steps in the process. While it is essential to provide accurate and thorough information, too often people share too much or not enough on their paperwork that can open the door for a denied claim. Step 1: Don’t Generalize Your Symptoms Stating specifically how your …