When you are planning to file for long-term disability benefits, you will be required to include several different forms of information. All of this information helps to demonstrate to your insurer that you have a valid disability that is covered under the terms of your policy contract. However, if you provide too little information, or the wrong type of information, this may seriously delay your application or prevent it from being approved. Typically, the most important types of information you will need to collect include:
Background information about your home-life, work, criminal record, etc.
Indication that you are either partially or completely unable to perform your job
Records of all tests performed by a medical professional related to your disability
Medical records for all appointments you’ve had with medical professionals related to your disability
A letter from your treating physician that provides their confirmation of disability
Information about your current income
Even if you provide all of this information, your insurance provider may still find a reason to deny your claim. If this is the case, or you have other questions about your application, contact Hankey Law Office for a free evaluation of your claim.