Areas in Long Term Disability Claims That Require Special Attention

If it’s established that you are unable to perform your duties or continue to work due to medical reasons or an accident, you could be eligible for long-term disability monthly benefits. The reason most victims don’t apply or file disability benefits is that the process is usually time-consuming, frustrating and confusing without a competent long-term disability lawyer. The policy concerning long-term disability may not be easy to understand if the long term disability insurance lawyer doesn’t interpret it for you. Once you receive all the long term disability documents you had requested, it’s important to pay special attention to areas such as:

long term disability insurance lawyer

Disability definition

This is one of the areas in which that most victims who would have been heavily compensated miss it. Although there is no standard disability definition, most insurance companies define it as the inability to work or perform a job due to injury or illness. Here, you don’t have to prove that you don’t have the capability to hold any job. Your long term disability insurance lawyer may only need to prove that you cannot continue performing the tasks you were performing before. However, it’s good to note that some long-term disability policies define disability as complete inability to do or perform ‘any’ task or job.

Time limits

If you have a long term disability claim to file, it’s good to know that you won’t file it anytime you feel like doing so. There are time limits within which you must confine yourself. In fact, most of the time limits stipulated in the disability policies are always strict. If you don’t file your subsequent appeals or initial application within the stipulated time, you are likely to lose your claim. Most insurers will find easy excuses as to why they should not compensate your disability claim if you didn’t meet the deadline. Look for a competent erisa lawyer who would help you file and submit all the required paperwork within the allotted time.

Limitations and exclusions

What any long term disability victim needs to know is that long-term disability policies hardly cover disabilities related to pre-existing conditions. If you received treatment in about 3 months before the insurance cover became effective, it’s likely to be connected to a pre-existing condition. It’s good to go through the policy with your insurance lawyer since the long term disability policies hardly cover some of the medical conditions. Attempted suicide, war acts, alcoholism, drug abuse and any crime-related disability are not included in the disability insurance policy.

Waiting periods

It’s good to check whether or not your long-term disability policy has an “elimination period”. From the time you became disabled to the time you receive your first payment, the elimination period should be between three to six months. In most cases, the long-term disability policies coincide with short-term disability policies. If you asked a long term disability insurance lawyer about this, they would say that there is usually no gap in coverage.

Disability lawyers play an important role in ensuring their disabled clients don’t fall victims of dishonest insurers in their disability claims. If you don’t have a competent disability lawyer or health insurance lawyer to advise you on various disability claim issues, you may mess up your case. Your lawyer works hard to disclose any dishonest or crafty information you may not have discovered yourself. Click here for more information

Leave a Reply

Your email address will not be published. Required fields are marked *

Posted by: Isabel Bannister on