Disability Insurance Blog

Can you represent yourself for a disability claim with a template form?


Tuesday, December 4th, 2012

For people who like to take charge of their lives, nothing sounds more satisfying than the phrase “I did it myself.” That’s great if you are a professional who loves woodworking during the weekends, or an amateur gardener who thrills to the spring blooms in your yard. But for long term disability insurance matters, doing it yourself is asking for trouble.

We recently learned of a website offering template letters and forms for use with denied or delayed long or short term disability claims. We know it’s tempting, and we understand why. Many of our clients have tried representing themselves in disability claims, especially clients who are themselves successful lawyers.

Unfortunately, unless you practice disability insurance law and know the law, processes, and pitfalls, the likelihood of success in representing yourself is daunting.

What don’t you know about disability law?

  • Severe time restrictions for making claims and appealing denials;
  • Strict guidelines concerning evidentiary materials used to support your claim;
  • No jury and no judge until you get to Federal court for ERISA appeals.

That’s just for starters. There’s plenty more.

If a long-term disability insurance company has sent you a denial letter, if you were being paid and your benefits have been terminated, if the insurance company wants to meet with you in person, if they are seeking a Functional Capacity Evaluation, or if you receive a request for additional health and financial records, you need to contact an experienced long term disability insurance lawyer. This is not a do-it-yourself project, but you don’t have to go it alone. Call our office today at 877-LTD-CLAIM (877-583-2524) to learn how we can help.