If you have long-term disability insurance, either through your employer or privately, you have some protection in the event an illness or injury occurs that prevents you from working for an extended period. This insurance benefit helps cover a percentage of your lost income, and you can add riders to your policy to further increase income protection.
Unfortunately, disability claim denials are quite common. To improve your chances of approval upon your initial submission, it is important to ensure you thoroughly understand the requirements.
Long-term disability basics
According to Newsweek, every disability policy has specific benefits and requirements, but there are some basics that all policies cover. Unlike short-term disability insurance, which covers temporary disabilities, long-term coverage applies to disabilities that last for months or years and prevent an employee from working in the same position or at any job. Policies may cover up to 80% of one’s income for a specified period.
Examples of long-term disabilities
One of the biggest reasons for denial is that the disability is not serious enough or long-lasting to be classified as long-term. Before filling out a claim form, research your individual policy to see what constitutes a long-term disability. Some examples of lengthy disabilities commonly eligible for benefits include:
- Neurologic disorders
- Cancer
- Autoimmune diseases
- Degenerative back conditions
- Hearing or vision loss
- Chronic pain
Additional information regarding your claim
Timely claims are also important to the likelihood of denial. According to the National Multiple Sclerosis Society, it is important to submit the claim on time, as there is a strict deadline for filing. It’s important to include specifics about your illness or injury and how your symptoms prevent you from performing your job. Detailed documentation and witness testimonies help support your case.
For assistance, reaching out to a legal professional who can help with the paperwork and logistics is recommended.