Long-term Disability (LTD) insurance are programs that have been designed to replace a portion of the lost wages in case you become disabled from work. Mostly, the employer and the employee contribute to the plan together. It is considered to be a part of the benefit’s package. Just like any other insurance, the LTD claim is not that straightforward. When you are applying for the claim, reach out to a lawyer. You can reach out to the lawyers at Wagners: https://wagners.co/long-term-disability-lawyer-halifax/. They will guide you through the complete claim process. If the claim has been denied, then they will appeal the denial and even file a lawsuit if required. Having a lawyer by your side can make the process less stressful.
What is understood by Long-term Disability Insurance?
A person is entitled to the Long-term disability benefits after the Short-term Disability period is over. As per the insurance plan, it will be determined whether you would be paid more or fewer wages than the benefits you received during the short-term disability. Most of the benefits usually cover about 60%-70% of the official income. The benefits which you will receive will be provided to you for about 2 years. After the period you might still receive them if the disability from all occupations continues. However, the transfer from short term disability to long term is not easy. It is usually during this time the insurer denies the claim. If this happens, you would be required to prove your disability.
How to prove disability?
Your claim for long-term disability won’t be approved blinded. There is a requirement to provide all the necessary documents which can prove the veracity of the disability. There are times after the disability has been proved, the insurance company might ask for extra information to understand the extent of your disability. This is an excruciating process that often requires your doctor and more specialists depending upon the nature of the disability. When filing for a long-term disability claim, you must provide all the medical records of treatment and disability within the stipulated time frame. After the benefit has been proved, the insurer will closely monitor your medical condition. This is done to ensure that there is still proof of the disability. The company might call you for updates and even request you to undergo a medical review from time to time. This is common when the person disabled is young or the company is expecting the medical condition to improve with time.
What are some of the objective evidence that you need to provide?
When providing the insurance company with the medical records, ensure you have objective evidence backing the disability. Results of X-ray, MRI and CT scans work as great objective evidence. You should also provide the insurance company with blood panels, nerve tests and other clinical notes you have received from the physician. Some conditions can’t be fully proven by objective evidence like Post Traumatic Stress Disorder, Chronic Pain, Anxiety and Multiple Sclerosis (MS).