We do not handle Social Security Disability (SSDI) claims.

Filing a disability claim: The do’s and don’ts

Shawn E. McDermott

When you file a disability claim with your insurer, you expect to start receiving benefits as soon as possible. However, it is not an automatic process. Mistakes with your claim can lead to delays or even a denied claim, which is why it is essential to understand what you need to do and avoid.

Below are some useful tips that can help increase your chances of a successful outcome.

Provide accurate and complete information

When filing a disability claim, providing accurate and complete information about your medical condition and work history is important. Make sure to disclose all of your medical conditions without exaggeration. Providing incomplete or inaccurate information may delay the processing of your claim or even result in a denial.

Seek medical treatment

It is essential to seek medical treatment and follow your doctor’s recommendations. It will not only improve your health but also provide medical evidence to support your claim. Failure to seek medical treatment can raise doubts about the severity of your condition and may result in a denial of your claim.

Keep records

Maintain a log of all documents you submit to the insurer and any correspondence related to your claim. You never know when such information may be needed, such as when appealing a denied claim.

File your claim as soon as possible

The earlier you file your claim, the better. It will ensure that your claim and benefits are processed promptly. In addition, there may be deadlines involved, depending on the terms of your cover. It’s also best to file your claim when the medical records are recent. Outdated hospital records could delay your benefits.

Lastly, consider seeking legal assistance in navigating the claims process. Do not wait until you run into problems to do so. The proper guidance can set you on the right path and help you get the benefits you deserve.

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