Filing a long-term disability claim in Austin can be challenging. Many people struggle to prove their condition meets the “total disability” standard. This guide will help you understand the process and your options.
What is a total disability?
Total disability typically means you can’t perform your job duties due to illness or injury. Some policies define it as the inability to work in any job you’re qualified for. Always check your specific policy for the exact definition.
How can I prove my disability?
To build a strong case:
- Gather medical evidence: You can gather medical evidence by collecting all test results and treatment records. It helps if you get written opinions from your doctors, too.
- Document your symptoms: Keep a daily log of how your condition affects you. Note specific tasks you can no longer perform due to your disability.
- Obtain statements from coworkers and employers: Seek testimonies from your coworkers or employers to add weight to your claim.
Focus on showing how your condition stops you from working, not just that you’re sick or injured.
What if my claim gets denied?
If your claim is denied, all hope is not lost. You have the right to appeal. At this point, consider seeking legal help. An attorney experienced in disability law can review your case, identify gaps in your evidence, help you navigate the appeals process and represent you in court if necessary.
Remember, the appeals process can be complex. Don’t hesitate to ask for help if you need it. With careful preparation and attention to detail, you can present a strong case to your insurance company and get the claims you need.
