After being involved in a serious car accident, I really believed that my insurance company would take care of everything. It wasn't until I finally received their settlement offer that I realized they were not on my side at all. This is when I got wise and consulted a personal injury lawyer. It was the best decision I could have made. Thanks to my attorney, not only did I learn a lot about personal injury law, but I actually got the compensation that I needed and deserved. I made a lot of mistakes after my accident, but I also learned a lot along the way. It is my hope that this blog will allow other accident victims to learn from common mistakes and get the information they need to be successful in their own personal injury claims.
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After an accident or serious injury, you may find that your medical conditions prevent you from working long term. In this case, long term disability insurance benefits can be a great way to receive medical and financial support as you recover. But unfortunately, valid disability insurance claims can sometimes be denied for various reasons. Here are some of the common problems with long term disability applications, and what you can do to prevent these issues.
You Don't Meet the Requirements
Each insurer has its own requirements for long term disability claims, and these are unfortunately hard to get around. If you don't meet the specific requirements for your insurer, you may still qualify for short term disability.
You Don't Have Enough Evidence
In order to get a disability benefits claim approved, you will need to follow close medical treatment for your injuries. This includes getting regular checkups and medical treatments, following up with specialists, and following rest or medication plans that your doctor prescribes. Each time you do one of these activities, even if it's just filling a prescription for your condition, be sure to get some documentation and include it in your case file.
There's Contradicting Evidence Against You
As a part of your disability benefits process, you might need to agree to be monitored and have your personal activities investigated. For instance, you might be subject to video surveillance while your claim is being looked into. If your activities don't match your plea for long term disability, your case will be dismissed. Avoid doing anything that could look suspicious, such as going on vacation, exercising heavily, or talking about side jobs or new projects. Your social media accounts could also be monitored, so don't post any damaging information.
You Filed Incorrectly
It's important to follow all of the guidelines on your insurance disability application and to provide supporting evidence in a timely manner. Your insurance company may place limitations on the amount of time that you have to come up with medical documents, testimonies, and other injury reports. If you're in doubt about whether your application is complete, consult your lawyer.
If you are sure to document your case thoroughly and provide legally valid reasons for your long term disability insurance case, you'll have a much easier time of getting your benefits approved. A disability or personal injury lawyer can help you evaluate the application and provide a strong case for getting your benefits approved.
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