Well-supported claims are denied by long-term disability insurance companies every day.
If you don’t want to be just another denied claimant, you have to know how to deal with your long-term disability (LTD) carrier. That’s why, in our last blog, our disability attorney in Louisville went over a couple of tips to help you deal with your carrier throughout the application process. Today, we will be giving you our last few tips:
#5. Prepare yourself for your consultative examination.
Your insurance company is likely to schedule a consultative examination with an “independent” doctor in order to evaluate your condition. Keep in mind that while the doctor is supposed to be independent, in most cases, they will try to prove that you are either exaggerating your symptoms or making them up. That’s why it’s always a good idea to prepare yourself for your examination beforehand. Make a list of the ways that your disability impairs your daily life. If you don’t mention your difficulties, your doctor will assume that they aren’t there at all, so make your list very detailed. Be honest about your symptoms and don’t try to exaggerate them. Be sure to also make note of when the exam started and when it ended. These exams can last as little as ten minutes, and their length is rarely reflected in the report.
#6. Make sure your LTD carrier has all important medical records.
Since medical records are claimed at the insurance company’s expense, they will often fail to obtain the important records they need. Ask your carrier what records they are using to determine your case, and don’t be afraid to let them know if they are missing any important records.
As you can see, LTD carriers will many things to avoid giving you your rightful benefits. If you would like professional help dealing with your LTD carrier, contact us today! We offer free consultations, and we are dedicated to protecting your future.