Health

Common Mistakes to Avoid when Filing an Application for LTD Benefits

You may become qualified for LTD benefits if you are disabled and cannot work anymore. You are eligible for these benefits if you have LTD insurance from an employment-sponsored plan or any other companies that offer disability insurance. If you want to claim these benefits, filling an application form is the most crucial step. If you want to get these benefits, you have to apply by filling up a form, which can be challenging. If you make any mistakes, you may not be able to get these benefits and you may need help from an attorney who can fight your case to restore these benefits. Some of the common mistakes to avoid are mentioned below:

Don’t make assumptions

If your employer says that you are too sick to perform your duties, you might assume that you are eligible for getting LTD benefits. You should understand the fact that the insurance company will be paying you the long-term benefits, not your employer. The company will decide if and how much you are eligible to get financial aid.

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Relying on the advice from your HR department

When it is a good idea to discuss your situation with the HR department of your company, at the same time, you should not solely depend on their advice.  They are not trained to interpret the policies of the insurance company. They have no control over the policies and procedures as designed by these companies.

Follow your doctor’s advice religiously

If your doctor has warned you against performing an activity and you fail to follow his advice, you may lose your chances of getting any benefit. The insurance company may send you an activity log meaning that you are being watched. That’s why, it is suggested to follow the diet plan, medicines, and physical activities as per the doctor’s recommendations.

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Taking help from the insurance company’s lawyer

There have been many instances where the lawyers of these insurance companies suggest the applicant choose those plans, which are harder to claim. These companies don’t really want to pay and make the entire process tedious for people. It is always a good idea to hire a private lawyer who has in-depth knowledge about the LDT benefits and claims.

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LTD claims can support the disabled person and his family in the best possible manner. However, the process may seem lengthy and tiring. You must hire a qualified attorney to make it smoother.

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