As long as people are working, there is a high probability that at some point in their career, they will suffer a serious injury.
If you are seriously injured on your job and need to be off from work for an extended period of time, you are entitled to Long Term Disability (LTD) benefits.
Thousands of workers file LTD claims each year. A review of Long Term Disability Claims by the Council For Disability Awareness (CDA), 662,000 workers filed for LTD claims in 2012, a 2 percent decrease from 2011. Previously, the number of LTD claims were on the rise from 2008 through 2011. In addition, the number of claims payments increased to $9.4 billion in 2012, the fifth straight year of increases, according to the CDA.
LTD benefits will help to keep you financially afloat while you are recuperating from your injury. Receiving these benefits, however, is not an automatic process because you must first prove that you have a disability.
Increase your chances of getting a claim approved
In order to have a better chance of receiving LTD, here are steps you can follow in your attempt to make a successful LTD claim:
1. Obtain medical documentation to support your claim. To get a claim approved, you must have strong medical evidence from health care professionals regarding your injury.
2. Limit your outdoor physical activity when you are off from work. There have been many reports that people seeking LTD have been “caught” by insurance investigators engaging in physical activity that they claimed they could not perform because of their injury.
If you have submitted a claim, do not perform labor-intensive tasks, like hauling bricks in a wheelbarrow when you claim to have chronic back pain, for instance. Someone may be videotaping your every movement.
3. Follow your health professionals’ or employer’s recommendations. Your employer may want you to get a second or third opinion from a doctor selected by your employer. Your primary care physician may want you to take physical therapy or undergo surgery to correct your injury.
Be willing to follow these recommendations, if at all possible. Failure to do so might result in a denial of your LTD.
4. Hire a LTD attorney. The first thought many people have is “I cannot afford an attorney.” What they do not realize is that LTD attorneys know what is needed to have a claim approved. If you lose your initial claim, an LTD can represent you on an appeal.
Attorneys such as www.disabilitydenials.com can also protect your civil rights during the entire claims process. Moreover, many attorneys work on a fee contingency basis, meaning your attorney will get paid only if your claim is approved.
Filing a LTD is a complex and time-consuming process, which is why it is important to consult with a LTD attorney. Although an attorney cannot guarantee that your LTD will be approved on the first try, you will stand a much better chance of getting your claim approved with a legal professional who can assistance you in preparing your case. Once you receive your LTD benefits, you will not have to worry about facing a bleak, uncertain financial future and can focus more on recovering from your disability.
Writer LaGeris Underwood Bell is herself partially disabled by arthritis, and therefore understands the need for long term disability support. She hopes this article will help those in need of such benefits. Much of her research for this article is from www.disabilitydenials.com and other sites like it.