Applying for Long Term Disability can be a stressful time, particularly if you’re in the middle of a health issue and facing financial challenges. A question we are asked all the time is: How do I speed up the process for my Long Term Disability?
Sadly, there’s no magic formula, but you can make it go quicker. Whether you’re providing all medical documentation, or avoiding these common pitfalls, knowing how it all works can help you get approved quickly.
So here, we’ll explain the things you can do to get your claim through the process quickly and increase your chances of success.
How Long Term Disability Claims are Approved
Understanding the process will help you get things moving. Your disability insurance company, or disability income program, will thoroughly examine your claim to see if you’re eligible for disability under their definition.
This typically involves:
- Reviewing medical records
- Assessing your work limitations
- Verifying employment history
- Assessing policy eligibility
There may be confusion, inconsistencies and uncertainty. That’s where preparation is important.
Provide Correct and Complete Information
The best way to get your Long Term Disability claim approved quickly is to complete all the sections of the application and supporting documents.
Make sure you include:
- Detailed medical records
- Physician statements
- Diagnostic test results
- Treatment history
- Employment and income information
Common reasons for delays include incomplete application forms. Ensure the information is correct.
Work Closely With Your Doctor
Your doctor will be key to getting your disability claim approved. The insurer will be heavily influenced by your doctor’s opinion.
To strengthen your claim:
- Ask your doctor for detailed reports
- Document your impairments
- Keep consistent medical appointments
- Follow prescribed treatments
Illness and doctor’s recommendations can help expedite your application.
Clearly Define Your Work Limitations
You need to show you are sick or disabled, and that your illness or disability makes it impossible to work.
Be specific about:
- Physical (standing, bending, lifting)
- Cognitive ability (concentration, memory, judgement)
- Daily functional restrictions
We consistently provide details to insurers that allow them to make a decision without having to request further information.
Avoid Common Mistakes That Cause Delays
There are many errors that can cause Long Term Disability claims to be denied or delayed. By avoiding these, you can get approved more quickly.
Common mistakes include:
- Submitting incomplete forms
- Submitting unclear information
- Missing deadlines
- Not following medical advice
- Underreporting symptoms
Any mistakes may slow down the process, so double-check your application.
Be Prompt in Providing Information
Your insurer may ask you for more information. This can hold up the process.
To keep things moving:
- Check your email and mail regularly
- Keep on top of requests
- Provide what is requested in a timely manner
This demonstrates goodwill and reduces the back and forth.
Keep Your Medical Records Consistent
This will help to make the process of approving your Long Term Disability claim go smoothly. Inconsistencies in your medical history may cause suspicion.
Ensure that:
- Your symptoms are consistently reported
- Your medical records are consistent with your claim
- Treatment history supports your condition
Concise and consistent records are easier on the reviewer and makes their process easy.
Consider Getting Professional Help
You may want to consider engaging a disability lawyer or advocate if you have a complicated claim or are nervous about the process.
They can help you:
- Prepare and organize documentation
- Communicate effectively with insurers
- Avoid costly mistakes
- Build a strong case
If you seek professional advice, your claim could be processed quicker and not be rejected.
Apply for Your Claim as Soon as You Can
The timing of your application can impact its processing. Apply early to avoid late fees.
If you apply early, then:
- You will receive sooner processing of your claim
- The medical evidence will be up-to-date
- You will not miss a deadline
The quicker you claim, the quicker it will be processed.
Know the importance of policy terms
All Long Term Disability policies have terms and conditions. These may help you to explain the situation so that your claim can be processed quicker.
Pay attention to:
- Type of disability (own occupation or any occupation)
- Waiting or elimination periods
- Required documentation
If you adhere to the policy terms, it will minimize any further questioning and the possibility of rejection.
What to do if your claim is delayed
Despite your best intentions, your claim may be delayed sometimes. If you experience delays:
- Contact the insurance company
- Ask about your claim’s progress
- Check they have all the documents
- Keep records of all communications
Planning and organization can help speed up the process.
Final Thoughts
Applying for long-term disability and gaining quick approval can be a complex process – it is important to be organized, thorough and meticulous.
Make sure to answer all questions, speak to your doctor, avoid the common pitfalls and send in your responses as soon as you can to help streamline the process and maximize your chances of approval.
Your circumstances may vary, but following these tips will help increase the chances of your claim being approved quickly and will help you receive the help you may need during a challenging time.
