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Applying For Long Term Disability Benefits: Top 10 Tips

Long term disability (LTD) insurance provides support when you are disabled from your employment. But claiming an LTD is not so easy. Take a look at a few pointers for increasing your chances of having the claim approved:

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Applying For Long Term Disability Benefits: Top 10 Tips

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  1. APPLYINGFORLONGTERM DISABILITYBENEFITS: LONGTERMDISABILITY TOP 10 TIPS

  2. LONGTERM DISABILITY (LTD) INSURANCE MOSTCLAIMS ARE ACCEPTED, BUTMANY LEGITIMATE Longtermdisability (LTD) insuranceprovidesastreamof CLAIMSARE REJECTED! incomewhileyouaredisabled fromyouremployment

  3. 10TIPSTOINCREASETHE CHANCESOFHAVINGYOURLONG TERMDISABILITYCLAIM APPROVED

  4. OBTAINTHENECESSARY FORMS OBTAINTHENECESSARYFORMS ApplyingforLTDinvolvesa fairamountofpaperwork Includesformscreatedby theinsurancecompany referredtoasanapplication package

  5. Benefitbookletwilldescribethe variouscoverageavailable Includesextendedhealthbenefits, lifeinsurance, andshortandlong termdisability Givesyouageneralideaofwhat youareentitledtounderthe READTHEBENEFIT BOOKLET policy

  6. Itisimportanttoreadtheactual policywording Provisionsthatdealwithpre- existingexclusions, exceptionsto READTHEPOLICY exclusions, allsourcemaximums, directoffsets, andindirectoffsets canbequitetechnical Considerseekinghelpfromalong termdisabilitylawyer

  7. STUDYTHEENTIRE APPLICATIONPACKAGE BEFOREYOUCOMPLETEIT LTDclaimsaredeniedonthe basisofthewrong information Makesureyouknowwhat youarebeingaskedbefore youinputanyinformation

  8. COMPLETETHE APPLICATION PACKAGEHONESTLY ANDWITHOUT EXAGGERATION Overturningadenialismucheasier whenallinformationisconsistentand canbeverified

  9. Functionalrestrictionsand limitationsareattheheartof disabilityclaims FOCUSONYOUR IMPAIRMENTS Bespecificaboutwhatpreventsyou fromperformingyourjobduties

  10. DON’TLEAVE ANYTHINGOUT Listallmedicalissues Theinsurerlooksatthebig picture, notjustyourprimary condition Listeverymedicalissueyou haveeverhadthathave causedorcontributedto yourabsencefromwork

  11. Aclaimthatpreventsyoufrom completingtheessentialtasksof youremploymentismuchmore likelytobeapproved BECAREFULHOW YOUDESCRIBE WORKPLACE ISSUES ManyLTDclaimsaredeniedonbasis ofhowyoudescribetheworkplace issues

  12. BE AWAREOFIMPORTANT DATES Ifthedateofdisabilityisbeforethe effectivecoveragedate, thentheltd claimwillbeproperlydenied Grouppoliciesalsoincludeapre- existingexclusion Thepre-existingexclusiononlyapplies foroneyearfromthedateofcoverage Pre-existingexclusionscanbevery complex.

  13. HAVE A LONGTERMDISABILITY LAWYERREVIEWYOUR APPLICATION BEFORESUBMITTINGIT Thechancesofyourclaim beingapprovedarehigherif youconsultalawyerfirst

  14. THANKYOU!

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