While filing a personal statement along with a long-term disability claim is not an absolute requirement, it may be extremely helpful to your claim, particularly when you suffer from disabilities that cause you a great deal of pain and discomfort. While some disabilities are obvious to anyone who sees you, others are far more invisible; to a stranger, it might even look as if you are not disabled in the least. As a result, including a personal statement with your claim for long-term disability benefits may be beneficial to you and boost your chances of a successful claim.

A disabled individual may be the only person who can truly explain how their medical conditions impact every moment of their day. You are in a unique position, and a better position than any medical provider, to fully describe subjective conditions like pain, fatigue, dizziness, and fogginess. By providing a detailed written description of your daily life, you can give your insurance company much-needed information that truly reveals the entire scope of your disabling conditions and how they impact your life.

Some of the crucial items that you might include in a personal statement are:

·         A detailed description of your job duties and requirements

·         A complete history of your disabling conditions

·         A clear and specific explanation as to how your disabilities and the symptoms of your disabilities prevent you from performing your job duties and requirements

·         A description of how your symptoms impact your normally daily activities, including a discussion of daily activities that you used to perform, but you are no longer able to do

When you are disabled and unable to work, we know that every dollar can be crucial to the support of your household. Therefore, you need legal advice about building the most effective ERISA long-term disability claim possible and guidance as to the pitfalls to avoid. Bonnici Law Group provides skilled, aggressive legal representation on a regular basis for individuals who are seeking long-term disability benefits under insurance policies governed by ERISA. Our priority is to represent your interests and protect your rights to the benefits that you deserve. Call us at 858-261-5454 and schedule an appointment to meet with us about your case today.