Best Practices for Filing a Long Term Disability Claim – Plan Member (Employee)

Aug 10, 2015

One of the most difficult and challenging times in an employee’s life is when they are faced with a disability.

Thankfully, if the individual has Long-Term Disability (LTD) coverage through their employer, they may be able to continue to receive a significant portion of their pre-disability income while disabled. This alleviates a tremendous amount of financial strain so that they can focus on recovery from the illness or injury and still maintain a lifestyle for their family.

In order to prevent any delays and ensure a smooth filing and claim review, the employee should focus on two main areas to help their claim be assessed effectively:
The first area of focus is to ensure that the plan member statement is completed as fully as possible. Any missing or unclear information simply serves to delay the assessment and approval of the claim. The plan member should be encouraged to spend the time up front to complete the document to the best of their ability, as well as provide a holistic summary of the entire situation. This is because they are in the unique situation of being the only stakeholder involved with a full understanding of the scope of the illness, how it impacts their ability to do their job, and their home life, etc. Providing as much detail as possible on this document can potentially save weeks of delays, by eliminating any need for clarification or information.

The second area of focus for the plan member is for them to ensure that their doctor completes the Attending Physician’s Statement thoroughly and on a timely basis.

In my upcoming blog in this series, we’ll take a closer look at the doctor’s role in the completion and submission of the Attending Physician’s Statement.

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