Building a Comprehensive Application for Disability Benefits
Chicago Disability Lawyers
If you’ve been disabled — due to an injury, illness, or other condition — and are submitting a claim for benefits pursuant to your private disability insurance plan, then it’s important that you work with an experienced attorney to coordinate with stakeholders and help you put forth a comprehensive application for disability benefits. Failure to submit a comprehensive application for benefits could give the insurer justification for denying an otherwise legitimate disability claim and set you back quite a bit (with regard to timely recovery of benefits).
Disability Claims Are Frequently Denied
In both the public and private disability context, “first round” benefits claims are frequently denied on some flimsy basis. Insurers are incentivized to deny claims, as the policyholder may choose not to challenge their decision. The insurer will therefore have saved substantial funds by not having to payout benefits that they would otherwise be required to give to the policyholder.
Given that the insurer is looking for any excuse to deny your claims, it’s important that you work to create an airtight application for benefits — in the event that the insurer denies benefits wrongfully, then you may successfully challenge their decision and recover the benefits you deserve.
What is Required for a Comprehensive Disability Submission?
A comprehensive disability claim record should include the following:
- Medical records (i.e., treatment records, medical expenses)
- Vocational records (i.e., pay stubs, work scheduling)
- Work history information
- Functional and physical impairment form
- Written statements from treating physicians concerning the condition at-issue
- Written statements from employer (and/or colleagues) concerning the impact of the condition on your ability to perform your job duties
- Assessment of career prospects by a vocational expert
- Proof of personal income
- And more
Every disability insurance plan is different, and some may require specific information that others do not. Given the high-stakes nature of disability benefits, and the likelihood that an insurer will use a “gap” in the record to justify a claim denial, it’s absolutely worth consulting an attorney who understands how to build a comprehensive application for benefits. Contact one of the Chicago disability lawyers at Bryant Legal Group, P.C. to learn more about how we can help.
Contact an Experienced Team of Chicago Disability Lawyers for Claim Assistance
Bryant Legal Group, P.C. is a boutique insurance litigation firm with a focus on the provision of legal representation to policyholders involved in a range of insurance disputes, including those that involve the wrongful denial of disability benefits.
Our attorneys have decades of experience litigating insurance disputes and have — over the years — obtained significant results on behalf of clients, whether through verdicts, settlements, or internal administrative resolutions. Unlike many of our competitors, we work with staff medical experts and others to gather as much information as we can on the disability at-issue. This informational advantage helps to guide our legal strategy and fuels our understanding of the case.