Georgia disability services comprise short-term disability and long-term disability benefits. Full-time employees get compensated with benefits and insurance policies such as health, life, dental, vision, and disability insurance. If an employee gets disabled and stops working due to the disability, the disabled employee must carefully analyze the available disability insurance options.
The major difference between short-term disability benefits and long-term disability benefits is that short-term disability benefits are most of the time available between a minimum of 30 days to a maximum of 180 days. After the maximum period of 180 days, if the disability exists, an employee should take quick steps to apply for long-term disability benefits. This is important because the short-term disability benefits will not roll over into long-term disability benefits. A separate application for long-term disability benefits (LTD) is often required.
So many people get worried as to why their long-term disability (ltd) applications get denied. Below are some common reasons.
- INCOHERENT AND INSUFFICIENT MEDICAL RECORD
One of the things you will need to prove to win in a long-term disability case is your regular medical treatment. Your insurer is duty-bound to ascertain how frequently you visit your physician and other health personnel at your chosen hospital. This is exemplified by the type of disability you are challenged with. For instance, if it is a psychiatric condition like depression, at least a monthly visit to your psychiatrist will suffice. A regular visit to the doctor for objective tests, x-rays, MRIs, or CT scans is required if it is a physical impairment.
Sometimes the insurance company medical may fail to get all of your medical records, which could dampen your chances of getting your disability claims. One of the essential elements in all of these is your doctor's statement. Your doctor's detailed letter should state emphatically how your disability affects your work abilities.
- INABILITY TO MATCH THE POLICY'S DEFINITION OF DISABILITY
Ensure that your disability matches the policy's summary plan definition of disability. Under the LTD policy, you are not disabled until your inability to carry out professional duties is medically certified. And also, anyone can confirm your inability to perform the duties of your job.
Ensure to study your policy's summary plan description excluded conditions. This is because any medical impairment caused by substance abuse or prior medical conditions is usually not included in the coverage. If the conditions are subjective and cannot be put under objective tests, the benefits may be limited to 24 months.
- MISSED DEADLINES
It is crucial to ensure you do not miss the stipulated deadlines when you file or appeal your claim. The deadline to appeal an initial denial as governed by ERISA for many individual and group plans is 180 days. Within this timeframe, you should try to hire a leading LTD attorney to help you gather convincing medical records and any other necessary documents for the sake of favorable evidence. This is because missing the 180-day deadline will preclude you from suing your insurer in federal court as you have not exhausted all your administrative appeals.
HOW A PROFESSIONAL DISABILITY SERVICE CAN HELP
A professional disability service firm having enormous experience in getting disabled employees their desired long-term disability benefits will help guide applicants to avoid the many mistakes others make. Professional disability service will ensure that your medical records are well documented. With their help, you will know if you qualify under ERISA's definition of disability. A professional disability service will also ensure that you meet the deadline. The professional disability service will do all of these with excellent customer service.
For professional Georgia disability services, contact National Disability Benefits today.