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Filing A Claim

Time is of the essence – Do not delay filing your long-term disability claim. Here are some helpful tips.

Review the Insurance Policy.

Make sure you get a copy of the insurance policy (ask for it in writing and read it). If you have questions about the policy, ask the insurance company.

Cooperate

… with the insurance company. Complete their forms. Do what they ask you to do.

Do everything in writing.

If you can’t, then make sure to keep a log of who you talked to, (date, time, phone number), and what you discussed.

Ask questions about other benefits.

Ask the insurance company if you are eligible for any other insurance benefits, such as long term disability or life insurance waiver of premium. If so, ask what you need to do to file a claim for those benefits.

Ask what else is needed for your claim to be approved.

Do this in writing and repeat it in every letter you send to the insurance company.