Claim Management Advice For Long-Term Disability


Long-Term Disability Insurance helps to replace income for an extended period of time, when a worker is rendered unfit to work on account of a physical or mental disability. Some companies offer long-term disability cover to their employees as a part of their benefits package. In cases where there are no company-provided provisions, persons may wish to purchase one of them individually.

In some countries like the US and UK state support is provided to fund and support such disability insurance schemes. In US, the plan is referred to as SSDI or Social Security Disability Insurance.

A person becomes eligible to receive benefits pertaining to long-term disability under the SSDI if he/she has become disabled on account of a physical or mental illness or injury that prevents him/her from engaging in any productive work. Also, where the condition is expected to last for at least one year or lead to the disabled worker’s death. He/she should have worked under Social Security for at least five out of the previous ten years.

Some medical conditions that are recognised as long-term disability include Down syndrome, mental retardation, spinal cord disabilities and brain injuries. Disability insurance is designed to provide financial benefits and Medicare facilities to the disabled workers. In cases, where a disabled worker belongs to a financially weak background, supplemental security income benefits may also be provided.

Since the process of getting a disability claim is usually a quite tedious and an uphill task, many claimants prefer to seek professional aid from companies providing long-term disability claim management services.

Long-Term Claim Management involves following up the disability claim right from the stage of filing up a claim to the grant of the privileges. Apart from these services, they also handle cases relating to denial of disability benefits or discontinuance of benefits, disability fraud and similar situations.

Companies providing such services offer help in submission of the claim, collecting necessary medical and income proofs, frequent and periodic follow-up of the claim with the relevant authorities and notifying the decision to the claimant.

In case an initial claim is denied, there is a provision for filing for reconsideration and a final case hearing. In instances where there is an initial denial, long-term disability claim management companies advise the claimant on the next possible course of action and guide him/her through the mutually decided course of action.

Many such companies are legal and are able to provide legal representation also, if required. By collecting necessary facts, they are able to focus the attention of the presiding Administrative Judge on the relevant facts of the case so that the right decision in the interest of the claimant may be taken.

If a long-term disability claim is approved, a sanction letter is sent to the claimant that mentions the payment amount and the payment date by when the claimant will receive the disability benefits. Long-term disability claim management often also includes monitoring the claim once it has been approved to ensure that the benefits begin to flow by the specified date. These professionals also ensure that the benefits continue to flow as long as the claimant is entitled to receive them.

Disability claim management services therefore lend much-needed help in case of follow-up and monitoring. It is as a result of their untiring efforts and persistent follow-ups that disability benefits reach where they are due.