If you're unable to work due to an injury, and you have disability coverage, you need to apply for long-term disability benefits. These benefits are designed to provide you with some financial stability while you're out of work. However, it is important that you avoid mistakes during the application process. Here are some tips that will help you get the benefits you need.
Understand Your Policy
If you're going to be applying for long-term disability benefits, it's important that you understand your policy. There are details contained in the policy that may affect your disability claim. For instance, your policy may have stipulations regarding pre-existing conditions. It may also require you to apply for Social Security disability benefits at the same time. Understanding your policy will help you avoid mistakes.
Don't Delay Your Application
If you're dealing with an injury that's preventing you from working, it's crucial that you apply for long-term disability benefits as soon as possible. In most cases, there's a time limit to when you can apply for benefits. If you miss the window, your application will be denied. Not only that, but it can take several weeks for your application to be approved. The longer you wait to apply, the longer you'll be without an income. To ensure that you begin receiving your disability payments in a timely manner, submit your application immediately.
Keep Meticulous Records
You're going to be communicating with the insurance company quite a lot during the application process. To make sure that you don't experience any delays or complications with your application, be sure to keep meticulous records. First, keep a journal detailing each phone conversation you have with the insurance company. Document who you spoke to, the date and time of the conversation, and the topic of your conversation. Second, designate a specific storage spot for all insurance company correspondence you receive in the mail. Third, keep copies of all correspondence you send to the insurance company. Finally, save all emails you receive from the insurance company. That way, you have a complete paper trail to follow should problems arise.
Fight a Denial
If your application for long-term disability benefits is denied, don't stop there. You do have the right to appeal any adverse determination, including denials. However, if your application is denied, you'll need to hire an attorney right away. An attorney can help you avoid mistakes during the appeals process.
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