Your long-term disability claims form may request a variety of information on your condition, medical treatment history, and your work. Claims forms and the information required varies from company to company. You may learn more about the specific details requested by your insurance carrier by reviewing your disability policy.
You may want to gather your paperwork before you begin. Completing your claims form completely and correctly is important for obtaining an approval for benefits and collecting payments while you are away from work. If you do not provide the required information, your insurer may deny your application for disability benefits.
Completing Your Long-Term Disability Claim Form
The information required on your disability claims form depends on the specifics of your long-term disability coverage. Completing your claim may require such information as:
- General information, such as your full name, address, and birthdate
- Banking information for receiving payments
- LTD policy number
- Your income sources
- Information about your job and job duties
- Your diagnosis
- The treatment you are receiving
- Information about the physical and psychological impacts of your medical condition
Much of the disability claim may focus on your medical condition and your job. You may need to be as specific and honest as possible, neither downplaying your condition nor exaggerating its effect on your life. The information requested may include:
- The illness or injury you suffered.
- Details about how, when, and where you became ill or injured.
- The symptoms you are experiencing.
- When you last worked.
- When you first received treatment for this condition.
- If you continue to receive treatment or monitoring for your condition.
- The general duties of your job.
- Which symptoms limit your ability to work.
There could be more information required on your disability claims form depending on your policy.
You May Need to Gather and Submit Documentation
You may need to submit medical records and documentation of your condition as part of your disability application. When gathering the information required on the disability claims form, you may want to discuss your claim with your primary doctor and specialists so that they understand the documentation you may need and how vital these benefits are to you.
Gather copies of your own relevant medical records, keep all test results, and continue to see your doctor and undergo treatment during the claims process. We recommend keeping a journal to record your day-to-day symptoms and pain, as well as their impact on your life and your ability to work.
Other collateral evidence may also be important to your case. You may want to talk to family, friends, and others you interact with regularly and ask them to write a statement about your condition and how it affects your life or your ability to work.
Challenging a Disability Claim Denial
Even if you do everything just like you should, you may receive a notice of rejection for your claim. If this happens to you, our team may be able to review your policy and help you build an argument for recovering benefits or compensation.
Our team may be able to help you gather additional information to challenge your denial. We may be able to call in medical experts, vocational specialists, or others whose expertise could help us prove your claim.
If we believe you have a case to reverse the insurer’s decision or recover compensation, we may be able to:
- Submit new evidence and ask the insurance carrier to reconsider your claim.
- Demand a fair settlement based on the evidence we gathered to show that you qualify for benefits.
- File a civil lawsuit and take your case in front of a judge.
If you want our team to help you build a case and fight for your compensation, it is important that you act quickly. The Ontario Limitations Act imposes a strict deadline on these cases. Your right to file a lawsuit against your long-term disability insurance carrier expires two years after the date of your initial denial provided the denial is clear. In some cases, this deadline may occur even sooner.
Discuss Your Claim Denial With Our Legal Team
If your long-term disability insurance provider denied your claim, you may be able to challenge the outcome. A lawyer from Preszler Injury Lawyers may be able to review the fine print of your insurance policy and gather evidence to prove you should qualify for benefits.
Call Preszler Injury Lawyers today at 1-800-JUSTICE. A member of our team may be able to discuss your denial and answer your general questions.
Initial consultations are free, and our firm operates on a contingency-fee-basis with no up-front costs to you.