I need to understand the process for filing a long-term disability insurance claim. What are the key initial steps, what medical evidence is typically required, and what should I do if my claim is denied? Also, what legal assistance options does this website offer for LTD claims?
Navigate to the 'Long-Term Disability Insurance' page (found under the 'More' dropdown). Identify and summarize the initial steps for filing a claim. Identify and summarize the medical evidence needed to support a claim. Identify and summarize the recommended actions if a claim is denied. Identify any legal assistance options mentioned on the relevant pages.
State that initial steps include examining and understanding the LTD policy, including insurer requirements and application/appeal time limits. Describe that required medical evidence includes medical records (hospital, doctors' notes, imaging, lab results) and your doctor's opinion. Outline that if a claim is denied, one should utilize administrative appeals, check policy deadlines, and strongly consider hiring a disability attorney. Identify 'Get a FREE Case Evaluation' and the phone number (1 (855) 747-6075) as legal assistance options, and mention the general advice to hire a disability attorney for appeals.