Long-term disabilities can occur due to sudden accidents, illnesses, or chronic health conditions. When these keep you from working or performing important tasks at your job, long term disability (LTD) insurance can help offset your losses in income. Unfortunately, not documenting your cognition thoroughly can result in LTD benefit denials and delays. The following details some of the different types of medical evidence you will likely need to file a successful claim.
People often think long term disabilities will not happen to them. However, the Social Security Administration (SSA) reports that a quarter of current 20-year-olds will become disabled before reaching retirement age. Long-term disabilities often occur due to ongoing health issues that progressively get worse over the years. Once you are unable to work, disability benefits provided through your employer can help you continue to make ends meet.
In filing a long term disability claim, you will be expected to carefully document your condition. Being thorough in providing medical evidence is key to getting your claim approved. Steps you need to take now to ensure you have the information you need include:
In addition to the above steps, check the terms of any long term disability insurance policies you have in place through your employer to make sure your condition is covered. Under the Employee Retirement Income Security Act (ERISA), your employer is required to provide a copy of these documents free of charge at your request. When the time comes to file your claim, medical evidence you will need to gather includes:
Long term disability benefits can provide a lifeline if you are unable to work. At Bartolic Law, we can help you gather the medical evidence needed in support of your claim. To discuss your particular case, call or contact our Chicago long term disability attorney online and request a consultation today.