To file a claim with your Long Term Disability Insurance company, first refer to your Insurance policy. Insurance providers have differing ways to apply for benefits, so you will need to refer to your individual contract with your insurance company. Prior to filling out your application, you should gather all possible medical records regarding your disability and any relevant work history information that may be needed to fill out the application.
In order to determine whether you have a condition that would qualify you under your insurance policy, you need to refer to your policy. Your insurance policy is a contract between you and your insurance company, so within the policy there will be a definition of what a qualifying disability will be. Examples of possible qualifying disabilities are: cancer, certain psychological issues, HIV/AIDS, muscular disorders, or chronic illness. However, you will need to consult your insurance policy to determine what disabilities are covered by your plan.
To file a claim, make sure you follow all procedures carefully. If you have any questions during your claim or appeals process, call The Law Offices of d’Oliveira & Associates now at 1-800-992-6878 or fill out a contact form for a free legal consultation.