Lots of employers offer long-term disability coverage as part of their benefits package. The problem is that if they do suffer an accident that causes a disability, your coverage will not begin automatically. The fact is that you will still need to file a claim if you want to be compensated, and insurers routinely deny claims. Here are a few of the hurdles you must overcome in order to be approved for long-term disability insurance.
Long-term Disability Requirements
The first step to take when applying for long-term disability benefits is to review your company’s long-term disability policy. You will need to obtain this policy from your employer directly, even if there is an insurer administering your claim. The policy will contain a definition of disability that you will have to meet and what benefits you will receive if you meet that definition.