If you are like most people preparing to file for long-term disability, your focus is likely on what you need to do to increase your chances of approval. One aspect you don't want to overlook, though, is what can lead to the much-dreaded denial.
1. Missing Medical Records
You must include all the necessary documentation for the disability at the time of application, or you risk a denial. Include a copy of every record you have for treatment and diagnosis. Just make sure to send in copies, not the originals. You must also include a statement from your doctor that details the disability, the cause (if you are seeking disability through your employer's disability coverage), and what limitations are imposed by the disability. The idea is not to just prove that you have a disability, but that you are unable to complete the duties of your position because of the disability.
2. Missed Deadlines
Consider all deadlines as written in stone. Print up a list of deadlines as provided by the disability insurance provider and cross-reference these deadlines with the those that your lawyer provides. Plan ahead so you can meet each deadline at least a few days early. Having a few extra days built in will ensure that you have time to provide additional documentation or make any changes should they come up as you work through the claim. If your claim is denied, you will be provided with an appeals deadline. This could be the most important deadline, as this will be your one chance to reverse the denial and keep your disability claim on the table.
3. Surveillance Evidence
It's an unfortunate fact that there is very little privacy in the modern world. Disability insurance companies will take advantage of this fact to find evidence that your claim is suspect. They may use video surveillance videos from your workplace, for example, to show you performing duties that your claim says you cannot perform. Even social media posts can be used against you in some circumstances. The best decision you can make is to always follow your doctor's orders when it comes to your limitations, even if work pressures you to push yourself. This also implies in your private life since you can never know who may be posting pictures or videos of you online.
For more help, contact a law office like Iler and Iler.