Steps Involved in a Long Term Disability Claim

1. Steps Involved in a Long- Term Disability Claim If your employer provides LTD coverage, you can contact their insurance company if your doctor determines that you have a disability and you can’t return to work. Be sure to notify your employer of your injury or illness promptly. Complete the application provided by the insurance company and submit it to begin the claims process. You should include a statement that provides information, such as: Your name and contact information Employer name Job title Employment history Medical condition Date of disability      

2. Evidence is crucial when you’re applying for LTD benefits. Medical records can prove you have a disability, how it occurred, and the date of diagnosis. Examples of medical documentation you can provide includes: Emergency and hospital records Physician notes Imaging reports Physical therapy records Medical bills      The doctor that diagnosed your disability should also provide a statement for you to include with your application. They should state the injury or illness you sustained and explain the specific physical or mental impairment it caused. It might be beneficial to obtain a copy of your job description to show the tasks you can’t complete. -----------------------------------------------------