Filing for LTD benefits can be an especially confusing and daunting process when dealing with a health condition that prohibits working. Most claimants make mistakes, often unconsciously, in going through this process, which may lead to delays, denials, or even reductions in benefits. Being aware of these common mistakes-and knowing how to avoid them-is important to a smooth claims process and ensures that an individual gets the benefits they deserve.

Insufficient Understanding of Policy Terms

One of the major mistakes committed by most policyholders is when they fail to understand, to the fullest detail, the conditions and terms within their LTD policy. Every policy stipulates what constitutes a disability, waiting periods, and also limitations to covers. An unclear comprehension of specifics may thus lead to submitting a claim which does not meet even the minimum requirements of your policy and would therefore be rejected.

It is, therefore, important that you read your policy documents carefully and seek clarification from your insurance company or a lawyer where necessary. The understanding of what is expected of you can assist you in making a more precise and full claim that has a higher chance of being accepted.

Insufficient or Incorrect Medical Records

Although it might be termed the backbone of the LTD claim, most claimants do not present enough or correct medical evidence. The medical records, especially, help the insurance companies a great deal in establishing the validity of the claim. Partially incomplete or outdated medical information weakens your case.

To avoid this error, keep all your medical records up-to-date, complete, and clearly demonstrating the fact of your disability. Keep feeding new medical reports to the insurer, and make sure your healthcare providers know how important it is for them to supply thorough and precise documents regarding your claim.

Missing Significant Deadlines

LTD claims have strict deadlines regarding the time limit for filing the initial claim, supplementing more documents, and appealing in case of denial. If any of these deadlines are missed, the claim will be denied or dismissed, even if your claim is valid.

To avoid this, all deadlines and requirements that pertain to your claim should be met. Setting reminders and maintaining close contact with your insurer will help in safeguarding your claim for benefits regarding the meeting of any timelines concerned.

Failure to Respond to Requests from Your Employer or Insurance Company

Another common error made is a failure to act in a timely enough manner upon the requests of either one’s employer or insurance company. An insurer may request further information or evidence to support your claim. Such inquiries ignored or dealt with belatedly could lead to unnecessary delays, or worse still, your claim may be denied.

Always make sure to respond to any requests from your insurance company promptly. If you are unsure what is being requested, contact them for clarification so the proper information can be provided. Sometimes, timely and accurate responses can make the difference in a claim.

Not Taking Legal Advice Seriously

Many people believe they can handle an LTD claim on their own, but the process is often sufficiently complicated that professional advice is essential. Claimants make mistakes in areas they do not understand the legal nuances, which could cost them their benefits.

It is always advisable to consult with a competent long-term disability lawyer who can provide insight and guide you through the hurdles of the claims process. An attorney will assist in preparing your claim, represent you in communications with the insurer, and appeal a denial, if necessary.

Consult with an Lawyer

One of the most important mistakes that many claimants make is not appreciating the value of hiring an LTD lawyer. Filing and maintaining an LTD claim can be dense with legal terms and strict requirements that are not easy to adhere to without professional advice. An LTD lawyer will greatly help in comprehending your policy, collecting the required documentation, and ensuring that all deadlines and procedures are correctly followed.

Not Keeping a Personal Record of Communications

Some individuals also err on the side of not keeping a personal record of all correspondence with the insurer, employer, and health providers. These can be in the form of emails, letters, phone calls, and meeting notes. In the absence of these records, follow-ups on your claim or disputes that might arise could not be easy to handle.

To avoid this, document everything that has to do with your LTD claim. It can then be used as evidence if there are discrepancies or other issues that have to be ironed out and will clearly indicate the history of your efforts and compliance.

Conclusion

There are a number of critical steps involved in filing a long-term disability claim, requiring attention to detail. Besides the common pitfalls made by people related to misunderstanding of policy terms, incomplete medical documentation, missed deadlines, ignoring the requests from insurers, underestimating legal advice, and not keeping proper records, your chances will be better placed for a successful claim if you avoid them. Be proactive, be informed, and be diligent throughout for the best results in getting benefits one needs during tough times.

Author

Rethinking The Future (RTF) is a Global Platform for Architecture and Design. RTF through more than 100 countries around the world provides an interactive platform of highest standard acknowledging the projects among creative and influential industry professionals.