Do you think about claiming long-term disability benefits from your insurance provider?
1: Doctor Support
We first ask any potential client with a claim for disability if they’ve got a doctor’s assistance. Doctors’ support is crucial to every disability claim.
To prepare the claim form, inform your medical professionals that you are planning to file a claim of disability. Give a reason why you can’t work because of your health condition and let them know you’ll need their assistance.
2: Medical Documents
Most insurance stipulates that you must be receiving medical attention. The procedure involves presenting medical evidence to the insurer that proves you are receiving regular medical treatment. Furthermore, your medical records should reflect your illness’s seriousness. Medical records could include:
- Abnormal physical exam results
- Abnormal imaginings and tests
- Your doctor’s notes contemplate your condition’s impact on your functioning
3: Loss of Income
The majority of Long-Term Disability Insurance policies include an Elimination Period. The most frequent time frame extends to 180 days (6 months). It is usually a part of short-term disability benefits. However, if you don’t have short-term disability insurance, you could be without income for at least six months.
Furthermore, suppose an insurance company rejects your claim, and you must appeal. If so, until your claim gets resolved, you will be without a source of income for an additional period.
Ottawa Life Insurance helps you with your disability insurance coverage needs. For more information, call (613) 454-1424 or email info@ottawa-lifeinsurance.ca.
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