February 25 2020 - Hundreds of thousands of people in the U.S. become totally disabled every year. Many people that should qualify don't understand long term disability requirements or how to get the benefit they deserve.
If you deserve to have disability payments, but you don't know what the requirements are or how to get disability, we can help. Continue reading this article to learn what long term disability is and if you qualify.
How Does Long Term Disability Insurance Work?
Long term disability insurance works by covering the employee in case of long term disability of 5 - 10 years or until the worker turns 65 years of age. The duration of the coverage depends on the policy terms of that particular person's benefits.
You are able to get this long term disability coverage when you are not able to work. There are many illnesses and injuries that might make someone unable to work.
Some of these are cancer, injuries from an accident, nervous system disorders, mental health problems, and more. If you had injuries or illnesses dating before the coverage, these usually aren't covered.
Applying for Long Term Disability Benefits
If you find that you are within the requirements to receive disability benefits, you can go through the application process.
1. Ask for an Application
Speak to the human resources department at your job and ask them for an application and any instructions needed to get started. If your workplace doesn't provide you with the information you need, and you are denied your claim, you might need to speak to a disability insurance lawyer for help.
2. Submit Employee Statement
Your employee statement will include all your personal information like your social security number, the last date worked, medical providers, all medications you're taking, and more.
If there isn't enough space on the form, you may need to attach a page to provide additional information.
3. Submit Employer Statement
You need to get information from your employer as well. The information they share is usually things like the date they hired you, when your insurance coverage started, and other similar information.
4. Get a Statement from Your Doctor
Your doctor needs to give a full statement about your condition that will let the insurance company know exactly what is happening. Even if the injury is not work-related, they are going to want as much information as possible.
5. Submit Anything Else to Support Your Claim
Do you feel there are other things that can help support your claim? Add these to your claim since it's better to over prove your case than under prove it.
Understanding Long Term Disability Requirements
Now you know more about long term disability requirements, and you can determine if you deserve compensation or not. Knowing whether to put up a fight or not is important, so you can get the help you need to contest your case if you are wrongfully denied compensation.
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