Tips on Applying for Long Term Disability Insurance Benefits

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

Qualifying for long term disability insurance benefits is no simple task.  Estimates indicate that approximately 70% of long term disability insurance claims are denied.  For those individuals who need to apply for long term disability insurance benefits, below are some tips to follow:

  • Read your entire disability insurance policy, from cover to cover. Understand all clauses, restrictions, limitations, terms and conditions.
  • Determine if your disability insurance policy is an individual policy or employer group plan.
  • Organize and gather all medical records, including lab tests, physician reports and opinions supporting your disability insurance claim.
  • Have a clear understanding as to why your disability prevents you from doing your job or any other job.
  • Promptly file your insurance disability claim. Fill out the disability application completely and truthfully. Add additional sheets if necessary. Follow all insurance company requests.
  • Be prepared to file all supporting evidence initially, not later as an amendment.
  • Know that you may be placed under secret video surveillance.
  • Follow up after applying. Follow up your telephone communications with a written letter. Keep detailed communication records, including person spoken to, date, time, matter discussed, and conclusion of conversation.
  • If your claim is denied, know and understand your appeal rights.
  • Learn your insurance company's or employer group plan administrator's deadlines.
  • Consult with a long term disability insurance claims lawyer sooner than later. 

The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability benefits denied, delayed or terminated.

You can reach Miami Long Term Disability Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].

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