Long Term Disability insurance pays monthly benefits to insured employees who become unable to perform the duties of their job for medical reasons. How you file a disability claim depends on the type of plan you have, as follows:
- If your policy is part of a group plan, you should contact your human resources manager to obtain a copy of your summary plan description and a disability claim application.
- If you purchased an individual disability policy, you should contact your broker or insurance agent for an application.
Under either scenario, you can always obtain the necessary paperwork directly from the insurance company.
You May Need Help to Complete the Application
You will find that the application is very long and has numerous forms that must be filled out. The instructions can often be confusing to someone who is going through this process for the first time. Keep in mind that one wrong answer could mean that your claim will be denied. You should seriously consider seeking assistance from an experienced attorney in applying for your disability benefits.
Who Decides if I am Disabled?
This is an interesting question because most people assume that there’s someone like a doctor or an independent reviewer who’s going to decide their case, but that is not the case in almost every long term disability insurance case. The insurance adjuster is the one who decides whether they have to pay out on your case. Many individuals consider that to be a conflict of interest, because they may be biased against wanting their insurance company to pay out on your individual claim.
What Evidence is Used to Evaluate Your Claim
There are several key pieces of evidence in a long term disability claim that will be reviewed by the insurance adjuster handling your case.
If you’d like some assistance in gathering together this evidence to support your case, then I encourage you to give us a call at (888) 321-8131 to discuss your case. If you’d like additional information about the long term disability process, then I encourage you to download a free copy of a book that I wrote called the Top Ten Mistakes That Will Destroy A Long-Term Disability Claim. You can download a free copy here.