After the onslaught of the pandemic, it has cemented the fact that this world is full of surprises, and most of the time, those aren’t the good kind. A lot of people disregard the need for long-term disability insurance, but what’s even worse is when those insured people don’t get to claim the benefits they actually deserve due to personal negligence or misinformation. Because we don’t want you to suffer the same fate, here are three, easy to remember tips to help you out:
Not knowing your options
Knowledge is power. It’s cliché, but true. A lot of people think they can get benefits just because they got injured, but the truth is, it’s paperwork and as we all know… that’s not usually a walk in the park. For instance, your type of injury or disability may have more chances of being approved if you apply for the right type of disability claim. Do your homework and research beforehand, just so you know the terms and processes you will have to go through. A good example would be learning the difference between a General or Residual Disability, as this can affect the strength of your claim.
Having Insufficient medical records
Perhaps the most crucial part of your claim is your medical records or evidence. The more intricate or detailed it is, the stronger your case will be. Compile all written records of your injury including official diagnoses, prescriptions, and pictures if applicable. Secure any medical receipts or documentation you can. That being said, don’t miss your doctor appointments or make it a regular part of your schedule. Disclose very important information about your injury or disability to your doctor so they will have the records to match your claim.
It’s not enough that you know you’re entitled to long-term disability benefits or that you’ve got all the forms filled out. To make sure that you don’t get penalties or have your claim rejected, make sure to bring or send over your requirements before the due date. Always ask and double-check all the important times and dates so you can mark them on your calendar. Remember: when it comes to claims such as these, it’s best to file without delay.
Stay on top of your long-term disability claims as soon as possible. If you want to learn how to maximize your benefits, simply call Silver & Silver Attorneys at 610-658-0500 for a free consultation.