Long-term disability insurance is designed to provide financial support when a medical condition prevents someone from working. But for many people, getting those benefits can become a lengthy and difficult process.<\/p>\n
One Houston-area woman says she\u2019s been fighting for two years after her claim was denied, despite being unable to continue working because of a chronic illness.<\/p>\n
At 34 years old, Lydia Arleen says she lives with nearly constant pain caused by fibromyalgia, a chronic condition that can cause widespread pain, fatigue, cognitive issues and other symptoms.<\/p>\n
In addition to severe pain, Arleen says she experiences gastrointestinal issues, brain fog, depression and muscle weakness, making it impossible to continue working as a project geologist.<\/p>\n
After applying for long-term disability benefits through the insurance plan provided by her employer, Arleen says her claim was denied. She later lost her job and has continued fighting for benefits.<\/p>\n
According to Arleen, the insurance company cited the complexity of fibromyalgia and the lack of a definitive diagnostic test as part of the reason for denying her claim.<\/p>\n
Three ways to strengthen a long-term disability claim<\/p>\n
Attorney Marc Whitehead, who represents workers seeking long-term disability benefits, says there are several important steps applicants can take to improve their chances of approval.<\/p>\n
1. Thoroughly document your medical limitations<\/p>\n
Whitehead says medical records should clearly explain not only a diagnosis but also how the condition limits a person\u2019s ability to work.<\/p>\n
That documentation should include physical limitations\u2014such as difficulty bending, lifting, standing or using your hands\u2014as well as mental or cognitive impairments, if applicable.<\/p>\n
2. Accurately describe your job duties<\/p>\n
Whitehead says disability claims should include a detailed description of what your job actually requires on a daily basis.<\/p>\n
If your work responsibilities are incomplete or inaccurately documented, insurers may conclude you can still perform your job.<\/p>\n
3. Appeal quickly if your claim is denied<\/p>\n
If a claim is denied, Whitehead says applicants generally have 180 days to file an appeal.<\/p>\n
During that time, it\u2019s important to submit additional medical records, physician opinions and other evidence supporting why you cannot perform your job.<\/p>\n
Don\u2019t overlook a vocational expert<\/p>\n
Whitehead also recommends hiring a vocational expert, who can evaluate the physical and mental demands of your occupation and explain why your medical condition prevents you from performing those duties.<\/p>\n
He says that expert testimony can play an important role during the appeals process.<\/p>\n
As more workers navigate long-term disability claims, consumer advocates say understanding the application process\u2014and acting quickly if a claim is denied\u2014can make a significant difference.<\/p>\n
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