When injuries, chronic health conditions, or sudden illnesses keep you from working, long term disability benefits provide a safety net. Offered through your employer, these benefits can help you meet your monthly expenses and any costs related to long term disabilities. Unfortunately, it is not uncommon for benefit claims to be delayed, downplayed, or denied. Keeping a long term disability journal can help to ensure you get the benefits you deserve.
Long term disabilities can strike workers at any age. When they do, it is important to be aware of the benefits which may be available through your employer. Long term disability insurance is one of these benefits and provides a regular source of income if you are unable to work. Policies and procedures governing these policies and how they are paid are covered under the Employee Retirement Income Security Act of 1974 (ERISA). As a federal law, ERISA provides guidelines detailing how your claim should be handled and the appeals process for denied claims.
One of the first steps you should take when considering filing a claim is to request a copy of documents relating to your long term disability coverage. ERISA requires your employer to provide these documents free of charge. Review the terms of coverage and any eligibility requirements you must meet. Another key element in getting your claim approved is to provide thorough documentation of the medical care you receive and the impacts you suffer as a result of your condition. Keeping a long term disability journal allows you to keep track of this and other information pertaining to your case, which can be used both in filing your claim and in appealing denied benefits.
The Centers for Disease Control and Prevention (CDC) warns that long term disabilities often occur as a result of chronic health conditions. Keep a journal in which you write down information about your condition and the care you receive as soon as you are diagnosed. If you have not done this or if your long term disabilities happened suddenly, get a blank notebook and begin jotting down the following information today:
Getting you the maximum amount of benefits you are entitled to in your disability claim is a top priority at the Law Offices of Michael Bartolic. To find out how we can help you, reach out and contact our Chicago long term disability attorneys to schedule a consultation today.
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