You’re injured or sick and your ability to work has been restricted. As part of your package of employee benefits, you have long-term disability insurance coverage. It’s time to apply for your disability benefits, do you know how to proceed? Let the team at Seltzer & Associates assist you in this complicated task.

Don’t Wait Until It Is Too Late

It is important to begin the process of filing your claim for disability benefits as quickly as possible. Most polices have notice requirements specifying how much time you have to file a claim. Waiting too long can decrease your chances of successfully obtaining long-term disability insurance benefits due to your injury or sickness.

Provide the Appropriate Information

In filing a claim for disability benefits, you are required to provide your disability insurance company with proof of loss. In a long-term disability insurance claim, proof of loss includes statements from you regarding your disability, forms completed by your employer verifying your employer and duties, and forms from your doctor explaining how your disabling condition in some way restricts or limits your ability to perform the material and substantial duties of your occupation and earn income. Careful preparation in the early stages of your claim is essential and can help you avoid common mistakes in submitting this information. It is essential for you to thoroughly explain your condition and occupation.

One of the most significant challenges individuals face in the claims submission process is getting the necessary medical records and information to the disability insurance company. The documentation necessary may be different from your doctor’s standard office notes. We will work with you and your doctor to make sure all necessary information is provided to the disability insurance company to substantiate your claim in the strongest possible way.

Remember, your claim will be scrutinized for any possible denial and you must understand all information, from telephone conversations with the company to medical records submitted, will become part of the disability insurance company’s file. Therefore it is important to have competent legal counsel experienced in handling long-term disability insurance claims assist you. We will guide you through the process and help you file a strong claim.

Contact Seltzer & Associates today for an initial consultation regarding your claim for long-term disability insurance benefits.