Long term disability insurance claims can be overwhelming. The law itself is complex and confusing and the disability insurance companies do not offer much help. On top of that, you are dealing with a medical condition and financial constraint because you are unable to work.
Having a long-term disability lawyer who specializes in this practice area and understands the nuances of the law can relieve some of the stress that comes with submitting a disability insurance claim or handling a long term disability denial. It can also give you the chance to focus on your health and family.
Common elements of a disability insurance claim that most people overlook:
1. Medical Records and Treating Doctors
It is often the case that medical records alone are not enough. Some doctors don’t keep detailed notes, other doctors don’t understand what is needed to prove disability for purposes of a disability insurance claim. There are forms the need to be completed that if done improperly could delay your claim or result in a denial.
It is often the case that the treating doctor(s) is willing to help but does not know how. A long-term disability insurance attorney can help guide you and your treating providers in what needs to be done for the disability claim.
2. Independent Reports Proving Disability
If your medical records do not provide much help in the way of proving your disability, we often have to supplement them with independent testing and reports. In this case, we rely on experts in the medical specialty that treats your condition to either do an in-person examination or write a report after reviewing the medical records detailing why your medical condition prevents you from working. Other independent reports we use include functional capacity evaluation (“FCE”), neuropsychological evaluations These independent reports are wildly different from the independent medical evaluations that insurance companies send claimants too.
3. Non-Medical Evidence Can Be Helpful
Non-medical evidence can play a crucial role in supporting your disability claim. This can include:
- statements from you, family members, friends, or colleagues who can attest to the limitations your condition imposes on your daily life and work
- symptom diaries documenting what your symptoms are day to day
- A vocational expert’s report detailing what occupations are capable of performing, if any, based on your training, experience, and education and in light of your restrictions and limitations.
Navigating the Appeals Process
If your initial LTD claim is denied, a long-term disability lawyer can be instrumental in navigating the appeals process. A good lawyer will work up the appeal with medical evidence and non-medical evidence, make legal arguments relevant to your case, and push back against the disability insurance company’s own medical reviews and reports. This kind of expertise can significantly increase your chances of a successful appeal.
Contact the Experts Today
Navigating the complexities of a long term disability claim denial can be daunting, but you don’t have to face it alone. At Dabdoub Law Firm, we specialize in disability insurance law and have a proven track record of securing benefits for our clients. Our dedicated team understands the intricacies of the law and is committed to fighting for your rights. By having an experienced long-term disability lawyer on your side, you can focus on what truly matters—your health and well-being—while we handle the legal challenges.
Trust us to be your advocate and guide through every step of the process, ensuring you receive the benefits you deserve. Contact us today for a free consultation with one of experienced attorneys.