When wrestling with a long-term disability (LTD) denial, many individuals are concerned with how to continue to support themselves financially. One question might arise, “Can I work while appealing a long-term disability denial?” Here, we’ll delve into this complex subject to help you determine your best financial actions during your appeal.
Understanding the Basics of Long-Term Disability
Long-term disability insurance is designed to provide a portion of your income if you cannot work due to a severe illness or injury. These policies, whether procured privately or offered as part of an employee benefits package, typically require proof that the claimant cannot perform their job duties or, in some cases, any job duties.
Can You Work While Appealing a Long-Term Disability Denial?
The straightforward answer is, “It depends.” There are a few key considerations:
1. Policy Specifications
Each LTD policy is unique. Some policies might have specific provisions or clauses that address employment during an appeal. Review your policy documentation or consult an attorney, like Bonnici Law Group, to understand any limitations or stipulations.
2. Perception and Proof
If you work while appealing, the insurance company could argue that this is evidence you’re not as disabled as you claim. Even a part-time job or a position less demanding than your previous role might be used against you, depending on the specifics of your disability and the terms of your policy.
For many, the financial strain of not working might make it necessary to seek employment while appealing an LTD denial. If this is the case for you, keeping meticulous records of your work, hours, and any pain or difficulties you experience is essential. Documentation can bolster your appeal by showing that you still faced significant challenges while trying to work.
What If I Decide to Work?
If you decide to work while appealing, consider the following steps:
1. Consult with an Attorney
This is a complicated area with high stakes, and you don’t want to jeopardize your appeal unintentionally. At Bonnici Law Group, we specialize in LTD cases and can provide guidance tailored to your specific situation.
2. Document Everything
Keep detailed records of your work duties, hours worked, and any difficulties or accommodations required due to your disability. This documentation can be instrumental in demonstrating the genuine nature of your disability.
3. Communicate With Your Doctor
Continually update your physician on your condition, especially if you work. Their notes and medical records can be crucial evidence for your appeal.
Work with Bonnici Law Group
While it’s possible to work during an LTD denial appeal, it’s essential to approach the situation cautiously and thoroughly understand potential implications. Consulting professionals, such as attorneys and doctors, and keeping accurate records can help navigate this challenging scenario. At Bonnici Law Group, we want to ensure you receive the support and benefits you deserve while managing your health and well-being. Our team will help you navigate your LTD appeal and provide guidance on whether or not you should work during the process. Call us at (619) 259-5199, or click here for a free consultation.