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The need to struggle with a disabling condition can tax any person’s energy. Yet a disabled person has to dip into his or her diminishing energy reserves, in order to complete and submit an application for long term disability insurance. That fact accounts for the frequency with which this one question gets asked.
Why should I claim the need for long term disability insurance?
If you were to get ill and thus be unable to work, it would serve a protection. It can provide you with the money that you require, as you pay the bills for expenses, medical treatments and rehabilitation services.
Why is it better to go after long term coverage, rather than short term?
A short term policy simply re-traces efforts used in the past. It can guarantee payments to the employee that must remain out-of-work for a brief span of time. Only long term disability ensures coverage for the “long haul.”
The answers to the first two questions might convince an adult to seek access to long term disability coverage. That recently-convinced adult might ask any of the following questions.
Who Can Qualify?
Any one that has been injured and cannot do his or her job satisfactorily can qualify. You will get payments for 2 years, and then you must show that you cannot do any job for which you have been trained or educated.
Describe the general characteristics of such a policy
Expect all issues that concern what your insurance will cover to get resolved quickly. Trust the insurer to focus on what each single claimant deserves. Appreciate the efforts that others are taking on your behalf, as you gather more evidence and work to prove that you cannot work.
Initially, you should have 2 years of coverage. At the end of those 2 years you can expect to hear from your insurer. Your insurance company will want to know more about the nature of your disability.
Is surveillance legal?
Yes, that practice is legal. If you are honest, the fact that you might get filmed should not allow for introduction of a problem.
Insurers can gather useful information by using social media, as well as surveillance. Do not past any photographs on a favorite social media network after having applied for long term disability insurance.
What actions should I take if coverage is denied?
• Consult with a lawyer. Work with your Personal Injury Lawyer in Hamilton, so you know why your coverage was denied.
• Visit your doctor; produce a paper trail of information on your injury. That trail should serve as further evidence of your disabling condition.
• Ask your employer for a long term disability package.
• Follow the doctor’s orders; show up for all appointments.