Long-term disability (LTD) benefits are designed to provide financial support to individuals who are unable to work due to a long-term injury or illness. These benefits can be a lifeline for individuals and families facing financial hardship during a time of physical or mental incapacity. However, obtaining long-term disability benefits is not always an easy process. In California, for example, it may be challenging to secure the benefits you are entitled to, even if you have a policy in good standing

Are Long-Term Disability Benefits Hard to Get?

Yes, long-term disability benefits can be hard to get. It is quite common for insurance carriers to deny benefits, leaving individuals in a state of financial vulnerability. However, it’s important to note that if your claim is denied, you may still have options to appeal the decision and fight for the benefits you deserve, but oftentimes you only get one chance to appeal during a short time period.

Reasons Why Long-term Disability Claims May Be Difficult

The journey to obtaining long-term disability benefits can be riddled with obstacles. From facing potential denials by insurance carriers to navigating complex requirements, it’s essential to understand the reasons behind the difficulties one may encounter. Several factors contribute to the complexity of long-term disability claims. In the following paragraphs, we will explore these challenges in detail and shed light on the key reasons that can make securing long-term disability benefits an uphill battle. By unraveling these obstacles, we can better equip ourselves to overcome them and fight for the financial support we deserve.

Seeking the Necessary Medical Evidence

One of the main hurdles in obtaining long-term disability benefits is the requirement to provide the necessary medical evidence to support your claim. Insurance carriers typically require detailed documentation from medical professionals that clearly outlines your condition, the severity, and  expected duration of your disability. This evidence should demonstrate that you meet the criteria specified in your policy for receiving long-term disability benefits.

Gather Collateral Evidence

In addition to medical evidence, it is also crucial to gather collateral evidence to support your claim. This may include testimonies from friends, family, or colleagues who can provide insight into how your disability has affected your daily life and ability to work. Collateral evidence can help strengthen your case and provide a well-rounded perspective on your limitations.

Identify Other Necessary Information and File Your Claim

Identifying and providing other necessary information required by your insurance carrier is another challenge in the long-term disability claim process. This may include completing detailed claim forms, providing financial records, and obtaining reports from vocational experts or rehabilitation specialists. Failing to provide all the necessary information can result in a denied claim, further complicating the process.

Reviewing Your Policy

Reviewing your policy thoroughly is also essential when pursuing long-term disability benefits. Understanding the specific terms and conditions outlined in your policy can help you build a strong case and determine if your insurance carrier’s denial is justified. Some policies may have specific exclusions or limitations that may impact your eligibility for benefits. By familiarizing yourself with these details, you can better navigate the claims process.

Work with an Attorney

Given the complexities involved in obtaining long-term disability benefits, it is advisable to work with an attorney who specializes in disability law. An experienced attorney can guide you through the entire process, helping you gather the necessary evidence, complete the required paperwork accurately, and navigate any appeals or negotiations with the insurance carrier. They can also provide valuable advice on your rights and options, ensuring you receive fair treatment and the benefits you deserve.

While obtaining long-term disability benefits can be challenging, it is not impossible. By understanding the reasons why long-term disability claims may be difficult, you can better prepare yourself for the claims process. Additionally, working with an attorney who specializes in disability law can significantly increase your chances of successfully obtaining the benefits you are entitled to. Remember, if your claim is denied, you may have the opportunity to appeal the decision and potentially recover compensation or receive your long-term disability benefits if you qualify. At Bonnici Law Group, our experts are skilled in understanding and explaining long-term disability policies so our clients receive the compensation they deserve. Whether you are looking to file a long-term disability claim or a denial appeal, we are here to help! Call us at (619) 259-5199, or click here for a free consultation.