The second article on disability insurance law in our series for Dentist’s Money Digest explores the issues facing dentists who... Read more →
Before You File
Before You File Your Long Term Disability Claim
Understanding how complex the disability claims process is, and recognizing that it is spring-loaded with potential problems, is the first step in preparing for the disability claims process. It helps if you consider that your claim is going to be scrutinized for any possible denial, and if you understand that any information, from medical reports to telephone conversation, will become part of a file that may be used in administrative or legal proceedings to deny your claim. Starting with that premise may sound negative, but it is actually the best way to prepare to file a claim.
The firm handles clients' initial claim filing, gathering medical and occupational support for the claim. We work with the client, the treating physician and, where appropriate, financial professionals to develop appropriate support.
We manage the entire claim process, including addressing the insurance company's request for additional information and/or requests for examinations, Functional Capacity Evaluations (FCE), and field visits and interviews. In this way, we are able to spot issues before they become claim problems. Engaging the firm at the outset is always the best strategy, since we can anticipate and preempt claim concerns that can potentially harm a claim.
For individuals with complex medical conditions, or those who have multiple policies, preparing a claim from the start with an experienced team can make all the difference, in the short and long term. We know that you and your loved ones are already overwhelmed. This is one less headache for you to deal with.
To learn how we help claimants file their long term disability insurance claims, call our office at 877-LTD-CLAIM (877-583-2524).