Employee benefits include a wide range of compensation and insurance policies. Disability care is often provided to full-time employees, along with medical, life, dental and vision insurance coverage. This includes disability benefits for both the short-term and long-term. Here are a few steps to follow if you want to apply for long term disability benefits:

1. Request An Application From Your Employer

An application form for applying for long-term disability insurance will be provided by your employer. But if in any situation the employer fails to provide the necessary material, you can find an insurance company application or claim administrator online.

2. Complete And Submit The Employee's Statement

The Employee's Statement is the section of the LTD application and the employee is responsible for completing it. The employee must disclose the following information in the employer statement:

● Your name

● Date of birth

● Social Security number

● Address and phone number

● Name of your employer and your occupation

● Family members

● Your work history and education information

● The last date worked

● Date of your injury or sickness

● Your reason for disability

● Prescribed medications

● All medical providers and their contact information

● Any other revenue sources that you can earn

Moreover, you need to submit a signed authorization to the insurance company which will let them make a request for your medical history.

3. Acquire Your Employer's Statement

Your company needs to complete a portion of the LTD application. In this section, the employer is responsible to provide information such as; your joining date, earnings, the effective date of insurance coverage, last working and reinsurance, other insurance benefits or revenues, the title of your job and the physical and mental requirements of your job.

4. Get A Statement From Your Attending Doctor

The insurance company or claim administrator asks for your attending Doctor's statement. In this statement, the doctor needs to include information about diagnoses, objective findings, signs, and symptoms, whether your injury or sickness is work-related, types of treatment (such as hospitalizations, surgeries, and medications), dates of treatment, an estimate of your physical or mental limitations, referrals, an estimate of when you may return to work, and extra observations. It is advised to take this form directly from your treating doctor and, ask the doctor to complete this statement in-person.

5. Submit Something Else In Your Control That Supports Your Disability Claim

Don't expect that the claim administrator or insurance company will collect all evidence for your disability claim and your all medical records. You have to submit such information as proof to support your claim. This may shorten the time that you have to wait for a claim and, also increase your probability of approval.

Get In Touch With Nancy L. Cavey For the Best Assistance

Call Nancy L. Cavey if your application of short-term disability or long-term disability insurance is rejected. They will describe to you the conditions that qualify for long term disability or short term disability. Please note that disability insurance benefits must be appealed promptly.