Long Term Disability Attorney
The benefits from disability insurance can be short term or long term. Most employees receive disability insurance along with life, health, vision, and dental insurance coverage.
When an employee is no longer able to work due to disability, you need to seek the guidance of a long term disability attorney to help you review your disability insurance options. Short-term disability benefits are typically available for 30 to 180 days depending on the policy terms. If the employee is still disabled after the maximum period for receiving short-term benefits, they should apply for long terms benefits immediately. Many employees mistakenly assume that their short-term disability benefits will automatically switch to long-term benefits. But in reality, the employee needs to apply for long-term disability benefits.
Here are the relevant guidelines that will enable you to qualify for long-term disability benefits
Ask your employer for an application
Your human resources department should provide you with a claim for long-term disability benefits and guide you through the process of filling out the form. You should also spend your time to go through the document to understand what it demands appropriately. However, there are cases where the employer fails to provide application materials. If so, you can obtain the form for the insurer. Searching for the name of the insurer and add “long-term disability application” to the search terms will often bring up links to the application material.
Complete the employee’s statement and submit it
In the application, you’re required to complete the section that’s usually titled Employee’s Statement. The requirements of this statement may vary from one insurer to another. However, the information disclosed in this section include:
- Date of birth
- Social security number
- Phone number
- Family members
- Work history
- Education history
- Day of illness or injury
- The last time worked
- Reason for disability
- The contact information of all your medical care providers
- Prescribed medications
- Additional income streams
In addition to this information, you may need to submit a signed authorization that allows the insurer to obtain your medical records.
Acquire your employer’s statement
Your employer completes the Employer’s Statement section of the application. They provide information, such as the date you were hired, earnings, the effective date of insurance coverage, and occupation title among other details.
Obtain a statement from your doctor
The doctor’s statement outlines information about your illness or injury: diagnosis, signs, symptoms, causes, treatment types, treatment dates, referrals and an estimate of physical and mental limitations resulting from your illness or injury. It’s a good idea to take this form to your attending doctor and having them fill it in person to ensure that the paper is not misplaced and that the doctor doesn’t forget to fill the form.
Submitting other evidence supporting your disability claim
Your claim administrator may not gather all the required documents for your application. Submit any medical tests and results that may help your long-term disability claim. This may shorten the waiting period for the determination of your claim validity and improve your chances of approval.
Contact a qualified disability lawyer
If your employer denies your claim for long-term disability benefits, contact a qualified and experienced long term disability attorney. Many lawyers offer a free consultation for short and long-term disability claims. It is imperative that you appeal the denial of disability insurance benefits promptly lest you forfeit the claim.