Disability income, whether it’s short-term or long-term, can be challenging to get. Many people struggle to get through the process to get the funds they need while they recover or to help them live with a long-term disability. However, knowing the process and understanding their rights can help anyone have a better chance of being approved and getting the disability income they need.
Know the Coverage
Knowing what is covered and what can be obtained, especially for short-term disability, is a vital part of protecting disability income rights. Knowledge helps to ensure the person doesn’t get less than they’re entitled to or be denied for a claim when they should be approved. If the disability income is being paid through an insurance policy, it is important to read through the policy carefully to understand the coverage and what to expect through the process. Those who are filing for Social Security disability will want to learn more about it to know what to expect.
Keep Records of Everything
It is extremely important for the person to make sure they keep records of everything leading up to the disability claim. Missing or incomplete medical records can be a reason for a denial. It is possible for the person to get a copy of their health records. Once this is done, be sure to store the records in at least two places. It’s best to store a physical copy somewhere safe and a digital copy in the cloud. This allows for easier access and helps to ensure nothing is lost before it may need to be used during the claims process.
File Documents Right Away
Missing a deadline during the claims process typically results in the claim being denied. Though there may be some time before the deadline, it’s always better to file documents as soon as possible. This can not only help speed up the process, but can also help ensure no deadlines are missed. This gives the person a much better chance of having their claim approved. If any documents are incomplete or missing, this can be corrected before the deadline passes, so the person will have a smaller chance of being denied. If there are any questions about where or how to file documents, ask as soon as possible so there’s time to get an answer before the deadline.
Appeal if the Claim is Denied
Despite doing everything right and being eligible for short-term or long-term disability income, a person can still be denied. This doesn’t mean the case is over, and they can’t get the funds they need. Instead, they’ll want to file an appeal. During the appeal, the person will need to make sure they know what needs to be done to have a better chance of being approved. It is highly recommended for the person to work with a lawyer at this time to get a better outcome.
If you’re having trouble filing for disability or you’ve been denied, speaking with a lawyer can be a great way to get help. Scheduling a consultation can allow you to learn more about the help available, what your options are, and how likely you are to be able to get disability income even after a denial. Talk to a lawyer now to learn more about your specific case and your rights.
