Three things that claimants must do before filing a disability claim.

It is crucial that any long-term disability policyholder who is about to file a claim for immediate disability benefits do the following:

1. Get a copy of the original policy.

2. a. Read the policy so that you understand whether or not your disabling condition is, in fact, covered under the terms of the policy and for how long benefits will be paid. You also need to understand whether there will be any reduction from your disability benefits for income such as Workers’ Compensation, Social Security, or even 401K deductions.

2. b. You should also read the policy for the directions required for the filing of a claim and follow every step. Make sure that your claim is filed timely.

3. Make a copy of everything you send to the long-term disability insurance company and send everything with a return receipt to prove that it was sent.

Remember, help is available to assist you before you file the claim and during your claim’s process. Consult Cavey & Barrett for assistance in filing your long-term disability application.

Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-477-3263.