It is unfortunate that some people suffer long-term or permanent disabilities after being involved in an accident. They lose their jobs, which means they can no longer earn income. Even if they return to work, they cannot be assigned the same tasks or get the same pay. However, a long-term disability is not the end of life. It is possible to apply for long-term disability benefits and get compensation for the loss. If you have long-term disability insurance and incurred a disability that may be long-term or permanent and restricts you from working, here are vital steps to follow when applying for the benefits. The sooner you apply for the benefits, the higher your chances of compensation.
Hire a Lawyer
The first thing you need to do once you get a disability is to hire a lawyer. The Chicago disability attorney you hire will take you through the process of applying for the benefits and increase your chances of getting compensated. Once you discover you are disabled, consider getting a lawyer. It is the best backup you need to ensure your claim is approved. They will also ensure you have all the evidence and documents you need for the application. Never attempt to apply for long-term disability benefits without the help of a lawyer.
Let Your Employer Know
Another vital thing you must do is to let your employer know that you will not be returning to work because of the disability. It can be temporary or permanently based on your condition. The employer can give you a temporary leave. It may also be a good idea to inform them you will apply for the benefits. If your insurance company requires you to bring an employer statement, ensure your employer has submitted it.
Review Time Limits
The next thing you need is to check how much time you have before your eligibility to apply for long-term disability benefits expires. So, review the policy to ensure you are applying within the time limit. If you fail to apply within the time frame, there is a high chance your application will be denied.
Review Disability Definition
The best way to know if you qualify for the benefits is to review the definition of disability. Review the policy to know what your insurance company defines as a disability. Some companies may require you to be fully disabled to qualify for the benefits. Others might require you to prove partial disability. So, learn what is defined as a disability to ensure yours meet the description.
File an Employee Statement
The application requirements for LTD vary with insurance companies. However, most companies will ask you to provide an employee statement that includes your personal information, place of work, medical information, etc. Ensure you file the statement within the time frame.
Seek Medical Evidence
Medical evidence is paramount to prove your disability. So, ensure a certified medical expert has reviewed and recorded your disability. You will need the evidence to prove the severity of the condition.
Conclusion
Applying for LTD benefits allows you to get compensation for your severe injuries. However, a protocol must be followed to ensure your application is approved. So, get the best LTD lawyer to assist you throughout the process and increase your chances of getting the benefits.