Posted on: 11 November 2020
If you are disabled and unable to work, or if there is no chance that your physical condition will improve anytime soon, you should file a long-term disability claim. A long-term disability claim gives you access to benefits you can use to support yourself.
1. Submit Your Claim Right Away
With a long-term disability, you need to file a claim as soon as possible. You have a small window to file a claim once you know your injury will have a long-term impact on your ability to work. You need to make sure you take full advantage of this window and get your application in before the deadline.
To get your application in before the deadline, you are going to need some help. That is why you should work with a professional, such as an attorney, who has experience submitting long-term disability claims. They can help you figure out what supporting documents you need to get together, and they can help make sure that your application is as complete as possible.
Start working on your claim and get help with the application as soon as you know your injury's seriousness.
2. Review Your Policy
Second, you need to be familiar with the actual wording of your policy. If you don't have a copy of the policy, request a digital file so you can review it. When you review your policy, highlight and write down any deadlines that you are required to meet. Additionally, highlight anything you are required to submit with your claim, and make sure you understand the definition of disability as it is provided in your policy.
3. Obtain Detailed Medical Records
With a long-term disability claim, your medical records are at the heart of the claim. You will need to contact all the medical professionals you have worked with and request full copies of your records, including all notes about your case and all tests and lab results. It is also a good idea to digitize them so that it is easier for you and your attorney to keep copies.
After you file your claim, you will want to continue to request access to your records. Information that comes up regarding your medical situation after your initial claim is filed could end up being important to your case.
If you want your long-term disability case to prove successful, you need to hire an attorney to assist you, get to work on the application right away, obtain your medical records, and be sure to apply before the deadline for doing so. Contact a company, such as Iler and Iler, for more information.Share