Typically, insurance coverage for long-term disability (LTD) is available as part of an employment compensation package. But it can also be purchased from an insurance broker. This insurance protects you when you become partially or totally disabled according to a qualifying medical condition. So, if you cannot work because of a qualifying condition, you get LTD benefits for a certain period.
To qualify for benefits, you must prove your inability to carry out everyday tasks and job functions because of your injury or condition. To ease the stress of securing disability benefits, it is best to work with an attorney from The Law Office of Nancy L. Cavey. Your attorney can help you comply with factors such as waiting periods that determine your eligibility.
How to Prove Your Disability
If you want to file a long-term disability claim, you need to understand your policy’s terms and conditions related to your condition. Insurance providers have different definitions of disability. Your insurer’s definition dictates what benefits you may get.
To prove your disability, you must depend on your doctor’s opinion and reporting. Your doctor should offer a written statement that states the severity of your medical condition. Also, clinical data that supports your doctor’s determination will be reviewed. This data includes examination findings, laboratory results, X-rays and MRIs, clinical notes, and surgical reports.
In addition, ongoing doctor’s visits and physician care can say a lot about your condition’s long-term nature. Thus, you need to comply with the orders of your doctor during this period to continue getting benefits. Seeing your doctor regularly and seeking available treatment is particularly essential if your condition does not have obvious diagnostic proof.
Complications in Disability Claims
There are varying conditions that may qualify for long-term disability benefits. But they should be serious enough to make it impossible for you to do your job or any occupation if the disability continues. Often, disability is attributed to more than one condition or injury. In general, disability results from a combination of factors that lead to a bodily breakdown.
Additionally, a medical condition can cause you to experience fatigue, chronic pain, and adverse medication reactions. Such elements combined can cause total disability. Insurers must take into account your condition’s overall effects.
Because every condition has unique symptoms, you must understand the effects of your condition on your everyday life. You should show how your symptoms impact your ability to work.