How to File a Long Term Disability Claim

If you find yourself in a position where you are unable to return to work and do not think you ever will be, it may be time to start looking into filing for long term disability. If you are feeling overwhelmed by medical bills and a loss of income, you should not wait. By hiring an experienced attorney, you are giving yourself the opportunity to receive the relief you need. We understand how stressful your situation may be. Nobody wants to be in a position where they have to file for long term disability, and the insurance companies will most likely do whatever they can do deny you the benefits you deserve. If you are considering filing for long term disability, here are some of the questions you may have:

Am I entitled to long term disability benefits?

There are several different types of injuries and illnesses that may qualify for disability. Some injuries that may qualify are:

  • Neurological disorders
  • Parkinson’s Disease
  • Mental health issues. Including depression, anxiety and panic disorders
  • Hearing loss or deafness
  • Vision loss or blindness
  • Autoimmune diseases
  • Cancer
  • Lyme disease
  • Lupus
  • Serious back injuries
  • Multiple sclerosis
  • Rheumatoid arthritis 
  • Osteoarthritis
  • Fibromyalgia and chronic pain

Keep in mind that insurance companies are generally not the most sympathetic entities, so if you are unable to work due to a long-term injury or illness, contact a trustworthy lawyer who understands your pain.

How do I file a claim?

If you believe it is time to file a claim, you must first talk with your employer or insurer to ensure you understand your policy. From there, you must file your claim within 180 days. You must not miss any deadlines when filing for long term disability. Doing so may give insurance companies an excuse to deny you of your benefits. Hiring a responsible attorney will help ensure you remember all due dates to receive the benefits you need. When you file your claim, you should have all the necessary medical documents that prove you are unable to work. Some of the documents you should provide are: doctor’s notes, x-rays, MRI results, prescribed medications,  and more. It may drastically help your case if your doctor provides an in-depth report regarding your medical history and current condition. Your doctor should emphasize the daily pain you feel, as this will greatly reduce the risk of you being denied your benefits. Once your claim is approved and you begin receiving payments, you may either request one lump sum or monthly payments.

Contact our experienced firm

If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.

Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.

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