If you’ve suffered an injury due to someone else’s negligence, then you’re likely considering filing a disability claim with your insurance company.
After all, you know that you won’t be able to get back to normal without their help. The problem is in getting back to normal. Disability insurance companies scrutinize the details very closely.
Fortunately, this guide’s here to help you protect your future. It is very important to know the most common disability claim mistakes and how to avoid them.
1. Not Filing Disability Claim in a Timely Manner
It is important to file your claim as soon as possible after you become disabled, as this will ensure that you are also able to receive benefits in a timely manner. Failure to do so may result in a denial of benefits.
Especially if you are filing for a short term disability that would replace your income during the time that you are unable to work due to injuries or sickness, it is very vital that you file it within the claim filing deadline.
2. Incorrectly Filing out Disability Form
The form is confusing and often people make mistakes that can cost them months of delays in getting their benefits.
To avoid making mistakes on your disability form, read the instructions carefully and follow them to the letter. Make sure you answer all the questions completely and accurately.
3. Failing to Provide Sufficient Medical Evidence
Another common mistake is not providing enough evidence to support your claim. Be sure to include all relevant medical documentation and any other evidence that can support your claim.
It is imperative that you organize important documents so you can be certain that your claim has strong supporting evidence.
4. Not Being Honest About Their Condition
When you are not honest about your condition, it can delay the process and possibly result in a denial of benefits. It is important to be as truthful as possible when answering questions about your medical history and symptoms.
If you are unsure about something, it is better to ask for clarification than to guess.
5. Lacking an Expert Opinion
While your own testimony and that of your family and friends are important, an expert opinion from a medical or vocational expert can be the deciding factor in whether or not your claim is approved.
Be sure to consult with a qualified social security disability lawyer before filing your claim. Don’t wait until your claim has been denied to seek help – by then it may be too late.
Avoiding Disability Claim Mistakes Today
Overall, there are several common disability claim mistakes that claimants make when filing for disability benefits that are discussed in this article. It can still be avoided with a little preparation.
You can also try to ask other relatives or friends who have completed a successful disability claim to somehow be familiar with the process because it increases the possibility of your claim being granted.
At the end of the day, the goal is to make sure that all efforts exerted will not be put to waste and that you will be able to get the benefits that you deserve.
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