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Top 5 Mistakes Applicants Make When Applying for Disability
It’s no secret that applying for Social Security Disability can be a stressful and challenging endeavor. The application process is complex to navigate, and delays are pretty common.
Workers Compensation and SSDI Offsets
Did you know that people who receive social security disability insurance (SSDI) can also collect compensation benefits for the same disability if it was caused by a work-related accident or illness?
What Would Qualify as Long Term Disability?
The Social Security Administration (SSA) carefully reviews your claim—checking to affirm that you really do qualify for SSDI benefits. This raises the question: Do disability investigators follow you around?
Do Disability Investigators Follow You Around?
The Social Security Administration (SSA) carefully reviews your claim—checking to affirm that you really do qualify for SSDI benefits. This raises the question: Do disability investigators follow you around?
Why Your Long-Term Disability Benefits Can Be Denied
Long-term disability claims are denied for a host of reasons all the time. Whatever the reason is, denials can be very confusing and often hard to decipher. If you have a denial, it is important to get it reviewed right away because the appeal process can be as short as 180 days.
What to Do When Your Insurance Company Denies Your Coverage
If you received an insurance denial for your long-term disability insurance, there is no reason to fret right away. You should hire an attorney, gather the necessary evidence from your Administrative Record, the file an appeal in the next 180 days.
What is the Next Step After a Second Disability Denial?
If an appeal is denied, making it the second denial, the next step would be to file a lawsuit in court under ERISA. Once you get to that stage, it is imperative to have an attorney to make sure that all of the legal proceedings and procedures leading up to and filing a long-term disability lawsuit are initiated correctly.
Long-term Disability Coverage – Do I Have Coverage?
One important aspect to always understand when you are applying for long-term disability benefits is you must be employed at the time of your application. This doesn't mean that you have to be actively working in the office, but you still have to be an employee.
Long-term Disability Policy
It may go without saying, but to be eligible for long-term disability benefits, you have to have the policy in effect at the time of your disability – which usually requires you to be employed at the time of disability, but not necessarily working.
Records to Help with Your Long-term Disability Application
One responsibility that insurance companies have during the application and denial process for benefits is to give you all the necessary information in the administrative record for your case so that you can look at everything they are looking at when making their decision.