Whether it be an illness or an injury that has made you incapable of fulfilling the tasks asked of you by your employer, you may find yourself in a position in which you rely upon disability benefits as a replacement for your lost income.
Long-Term Disability Benefits
LTD, which is short for long-term disability, can make you eligible for benefits which may be available via your employer, or purchasable via your private LTD coverage, should you not have access to workplace coverage. In general, long-term disability benefits will provide you with sixty to seventy percent of your monthly income. In order to qualify for these benefits, you will need to provide proof that you are no longer capable of fulfilling the tasks your job asks of you. However, some LTD plans will also require you to prove that you are incapable of holding down a job in general, due to your condition.
Though it should be noted that the majority of LTD plans, be it provided by your employer or through your own private coverage, will only require proof for your inability to perform the tasks asked of you by your current occupation for the initial two-year span, and then later for proof of inability to hold down any occupation moving forward.
Reasons Why Your Disability Claim May Have Been Denied
Unfortunately, it does oftentimes happen that a disability claim is denied, despite the claim having been filed by an actually disabled person who fulfilled all the requirements asked for in their disability plan. In many of such cases, an experienced Injury Lawyer in Cambridge will be capable of appealing the denial and obtaining coverage for their client. Thus, don’t try to self-represent your claim but hire an experienced lawyer that has handled similar cases in the past. Below, we have listed the most common reasons for the denial of a disability claim:
1. Neglect to meet the deadline for filing your disability claim, or appealing the denial of a past claim.
2. Failure to provide proof of your disability via the professional diagnosis of a physician specialized in the field of your condition.
3. Lack of frequent medical treatment for your diagnosis by a physician, be it biweekly or on a monthly basis.
4. Failure to follow the treatment schedule provided by your health care provider, and thus failure to mitigate the symptoms keeping you from fulfilling the tasks required of you by your employer.
5. Lack of information required by the application, i.e. medical reasons provided by your doctor which prove your inability to work.
Thus, allow your lawyer to handle re-filing of the claim and representing your interests in and out of court, as necessary.