Step 1: Review Your Employer’s Long Term Disability Policy

If you're applying for long term disability through your employer, the first step is to carefully review your company’s disability policy. This policy will outline:

• Eligibility requirements: Ensure that you meet the qualifications to apply for LTD benefits.
• Benefit details: Understand the benefit amount, how long you can receive payments, and any waiting periods.
• Required documentation: The policy will also specify the documents you need to submit with your application, such as medical records and proof of income.

If you’re unsure about any aspects of your policy, it’s a good idea to consult with your HR department or a disability attorney.

Step 2: Gather the Necessary Documents

Once you've reviewed your policy, the next step is to collect all the required documentation. This includes:

• Medical records: Detailed documentation from your doctor or healthcare provider about your condition, including diagnosis, treatments, and how the condition prevents you from working.
• Employer records: Pay stubs, W-2 forms, or other documents that prove your work history and income.
• Disability application forms: Many insurance companies or employers will require specific forms to be filled out. Be sure to carefully complete all sections.
  

Having all the necessary paperwork in place can help prevent delays in the approval process.

Step 3: Complete the Disability Application

The next step is to complete the long term disability application. Depending on your insurer or employer, you may be able to submit your application online, by phone, or via paper forms. Here's how to proceed:

• Fill out the required forms: Complete any application forms accurately, ensuring that you provide all requested information. This could include personal details, medical history, and information about your ability to work.
• Submit medical documentation: Include medical records, doctor’s notes, and any relevant test results to support your claim. Some insurers may also require you to undergo an independent medical examination (IME) to verify your condition.
• Submit your application: Once your forms are complete and all necessary documents are gathered, submit your application to your insurer or employer according to their guidelines.

Step 4: Wait for the Insurance Company’s Decision

After submitting your application, the insurance company or employer will review your case. This process typically takes several weeks to a few months. During this time, they will:

• Review your medical records: They will verify that your condition meets the requirements for long-term disability.
• Evaluate your ability to work: They will assess whether you are unable to perform your job duties due to your condition.
• Communicate with your doctors: If necessary, they may reach out to your healthcare providers for additional information or clarification.

Once a decision is made, you will be notified whether your claim has been approved or denied.

Step 5: Appeal a Denied Claim

If your application is denied, don’t give up. Many long term disability claims are initially denied, but you have the right to appeal. The appeal process varies depending on your insurer or employer but typically involves:

• Requesting a formal appeal: You usually have a set period (often 60 days) to request an appeal.
• Gathering new medical evidence: You may need to provide additional documentation or medical opinions to strengthen your case.
• Submitting the appeal: Once your appeal is ready, submit it to your insurer or employer for review.

If your claim is denied a second time, it may be worth seeking help from a disability lawyer to pursue further legal action.

Step 6: Seek Legal Help if Needed

If you’re having difficulty navigating the long term disability application process or if your claim has been denied, it may be helpful to consult with an experienced disability attorney. A lawyer can help you:

• Review your policy: Understand the terms and conditions of your long term disability insurance policy.
• Assist with the application: Ensure that your application is properly completed and supported by the appropriate documentation.
• Represent you in an appeal: If your claim is denied, a lawyer can help you appeal the decision, increasing your chances of approval.

At Hogan Smith, we specialize in helping clients apply for long term disability and fight for the benefits they deserve.