No one thinks that they are going to sustain a serious injury, but the potential for injury is always present in a person's day-to-day life. Some injuries are so severe that they can permanently limit your ability to work in the future.
Long-term disability is designed to help provide financial resources to those individuals who have suffered a serious injury. If you find yourself in a position where you need to rely on long-term disability benefits to survive, be sure that you are actively avoiding complications when you file your initial claim.
1. File Your Claim Immediately
It's important that you complete your claim for disability benefits as soon as possible following your injury. Many insurance companies have strict time limits that govern long-term disability claims. You will need to file within the given time period or your claim could automatically be denied for lack of timely notice.
It's helpful to hire an attorney to assist you with filing your claim, as you may still be in recovery from your injury during the time frame when the claim needs to be filed.
2. Track all Correspondence
Long-term disability claims can take time to process. There will be a lot of back-and-forth communication between you and the insurance company while your claim is being reviewed. It is essential that you track all correspondence that takes place regarding your claim.
Log all phone calls, save all emails, and keep any letters you receive in the mail. You may need to utilize pieces of correspondence as evidence should your claim be denied in the future. Your attorney will be able to read through your correspondence log to identify information that can be used to appeal your denial.
3. Read Through the Insurance Policy Carefully
You need to have an intimate knowledge of your long-term disability insurance policy as you move through the claim-filing process. If you have carefully read through your policy, you will be able to identify all of your obligations prior to filing. This allows you to meet those obligations to avoid any unnecessary delays in processing your claim.
You can find out exactly what information you need to submit with your claim, timelines you must follow, and what your insurance company defines as a disability. Your attorney will be able to help you gain a greater understanding of your insurance policy so that you can avoid potential complications as you submit your claim.
For more information, contact a long term disability attorney.
Share12 December 2019
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