Long-term disability in Texas pays you a portion of your income if you become disabled while you are still working. Unlike short-term disability, which pays you benefits until you can resume working, long-term disability may continue for many years.
There are many benefits to long-term disability insurance. The benefits typically cover between 50 to 70% of your income, allowing you to pay your bills and stay financially stable while you are disabled.
After you file your claim for long-term disability benefits, you may wait a while before you start receiving benefits. Therefore, it is important to know the steps to take when filing your claim. This will help you avoid mistakes in the process that could delay the receipt of your benefits.
Request an application
Review your employer’s long-term disability policy carefully and request an application. Your employer should provide you with the policy and all instructions for completing your application.
Complete the application thoroughly. Have certain information ready, such as your social security number, date of birth, name of your employer, your occupation, your work history and education, the date of your injury or illness and the last date you worked.
You should also have information on your medical history ready, including the names and contact information of your medical providers and a list of other prescribed medications.
The form may not allow you enough space to write everything in so attach additional pages if necessary. The goal is to provide detailed information so your claim is not denied because information is missing.
Your employer and doctor will also need to provide statements. Although the insurance company may contact your doctor, it is best to bring them the form directly to make sure it is filled out and sent in promptly.
Do not worry about sending the insurance company too much information. Submit anything that supports your claim for long-term disability insurance. This increases the chance of a successful claim and allows you to start receiving the benefits you need while you recover from your injury or illness.