Living with a disability is rather common. More than a billion people across the globe live with disabilities, many of which were due to a workplace injury, accident, or act of violence. Disability insurance, therefore, is an important type of policy for anyone to have. It serves as a safety net in case a temporary or permanent disability prevents you from working.
However, filing for insurance disability claims remains a challenge for many people. People with legitimate disability claims still get denied, in fact. This may be due to mistakes in their paperwork or the failure to meet the insurer’s definition of a person with a disability.
Hiring experienced disability insurance lawyers in Los Angeles and presenting a solid body of supporting evidence reduces the chances of having your claims denied.
Proper Medical Documentation
Medical documentation is one of the strongest kinds of evidence you can submit to support your disability insurance claim. Records and documents from a licensed health care provider or your primary care physician hold a lot of weight in proving your disability.
Objective Medical Evidence
Objective medical evidence refers to the quantifiable results of procedures or tests. These include diagnostics or imaging tests like X-rays and computed tomography (CT) scans. Blood work results and other findings like blood pressure and pulse rate count as well.
Written Statement from Your Physician
Notes from your doctor, including their diagnosis of your condition and treatment information, strengthen your claims. It’s best to request detailed statements from your physician regarding the effects of your disability and how it interferes with your daily life and full-time work.
Submitting a record of the medications you take for your disability helps validate your claim. Medications, especially those for pain management, are proof of your disability or its effects. A complete record of the medicine you take also reveals possible side effects like impaired concentration, which can support your claims regarding decreased job productivity.
Evidence of Decline in Job Productivity
Aside from medical evidence, you should provide documents proving your inability to perform your assigned work properly. These may include attendance records, records of frequent break or rest periods, and any disciplinary logs. Witness statements from your co-workers or your employer are invaluable, too.
Experts also recommend submitting a detailed job description, preferably from your employer, so that your work requirements are clearly defined.
Timely Submission is Key
Disability insurance claims can be won or lost based on the evidence you provide. Gathering all the medical evidence and supporting statements can be time-consuming, however. It’s especially difficult when you’re still recovering.
This doesn’t mean you are excused from submitting your evidence on time. Take note that having the strongest supporting evidence in the world wouldn’t help if you present it past the deadline. Stay on top of your timeline to avoid this scenario.
Working with Haffner Law will lessen the load on your shoulders. Our experienced disability insurance lawyers will help you gather evidence, understand your insurance policy, and file your claims. We’ll fight for your rights and take your case to court if your claims are unfairly denied.
Contact us today and let us help you get your full benefits.