Long-Term Disability Insurance for Salespersons
Salespersons, like other professionals, can benefit from long-term disability insurance. Long-term disability insurance can provide income replacement if you find yourself unable to work for an extended period because of a disability. To get your long-term disability benefits, you must file a claim, which can be a complex process and may result in a wrongful denial.
If you need help filing your insurance claim or the insurer has denied your claim, the long-term disability attorneys of Abell and Capitan Law can help. We have years of experience helping clients pursue the disability benefits they deserve. Let us put our experience to work for you. We can gather evidence, file a claim, or appeal a denial on your behalf.
To discuss your options for disability benefits, contact a Abell and Capitan Law long-term disability attorney online at (267) 419-7888.
What Is Long-Term Disability Insurance
Employers often provide long-term disability insurance. It provides income replacement benefits to individuals who cannot work because of a long-term disability. These benefits usually cover a percentage of your pre-disability income. Many times, long-term disability insurance policies are a part of your employee benefits package.
What Is a Long-Term Disability Claim?
A long-term disability claim is a formal request for your long-term disability benefits. To make a claim, you typically need to do the following:
- Obtain a copy of your insurance policy: Your insurance policy will outline the specific requirements and procedures for filing your claim. For example, your policy may provide that you are only eligible for benefits if you cannot work for a set amount of time, such as 180 days. This means you may not qualify if the period you cannot work is less than the amount of time set by the policy.
- Notify your employer: If you have a group disability insurance policy through your employer, you usually need to notify them of your disability and request any necessary forms.
- Complete the claim forms: You should complete the claim forms as accurately as possible. Failing to include relevant details in your claim can lead to a request for more information or denial, making it harder for you to get benefits.
- Obtain supporting medical documentation: Your long-term disability claim will require supporting medical documentation from your medical provider. You should include all relevant medical records, test results, and other documentation supporting your claim.
- Submit the claim forms and supporting documentation: Once you have completed your claim forms and obtained the necessary supporting documentation, you must submit them as outlined in your policy.
The specific process for filing your long-term disability claim will depend on your insurance policy and employer. You should carefully review your policy to make sure you understand all the requirements.
Reasons Salespersons May Need Disability Benefits
As a salesperson, you may rely on your ability to travel and meet people in person in order to do your job. If you can no longer perform your job duties because of your disability, you may need to file for long-term disability benefits.
Salespersons may need disability benefits for various reasons, including:
- Accidents: As a salesperson, you may be on the road frequently to visit different work sites. Due to your regular travel, you are at a higher risk of being involved in a car crash or workplace accident. These types of incidents can lead to severe injuries that make working impossible for a period of time.
- Illness: If you travel for work, you might be exposed to different environments that can put you at risk of illness. Long-term disability insurance may cover conditions such as cancer, heart disease, and chronic respiratory diseases which can prevent you from working for long periods.
- Injuries sustained from repetitive motions: As a salesperson, your job duties may include typing or carrying heavy items. Performing these repetitive tasks may result in injuries such as carpal tunnel syndrome or tendonitis, which can prevent you from working.
- Mental health issues: You may face high stress or anxiety levels because of the demands of your work. If these stress levels lead to a mental health issue covered by your long-term disability insurance, you may be eligible for benefits.
- Chronic health conditions: If you have a chronic health issue that worsens over time, making it impossible to work for an extended period, you may be eligible for long-term disability benefits.
If your health condition falls within the list of conditions your policy covers, you might qualify for disability benefits. They can provide you with the financial assistance you need while you recover.
Why Your Claim May Have Been Denied
There are several reasons that an insurance company may deny your long-term disability claim, including:
- Insufficient medical evidence: An insurance company may deny an insurance claim because you did not provide enough evidence to support it.
- Failure to meet policy requirements: You may not have met all the criteria to be eligible for long-term disability benefits. These requirements can include a waiting period, coverage period, and whether you meet the policy’s definition of disability.
- Late filing: You may have missed the deadline for filing your long-term disability claim. Most insurance companies have strict deadlines for filing claims and failing to file within that period can result in a denial.
- Disagreement over the severity of your disability: Your insurance company may not agree with the severity of your disability or the limitations it imposes.
- Inconsistent information: If the information in your claim is inconsistent with the evidence you provide, the insurance company may deny your claim.
- Pre-existing conditions: Your long-term disability claim may get a denial if your disability is related to a pre-existing condition not covered by your policy.
- Fraudulent activity: If the insurance company believes you are providing false information, they may deny your claim.
If your insurer issues a denial of your long-term disability claim, you might be able to appeal their decision.
How Abell and Capitan Law Can Help You Get the Benefits You Deserve
The long-term disability attorneys of Abell and Capitan Law have experience pursuing the disability benefits their clients deserve. When you choose us, you are getting a team that will support you and can provide a variety of services. We can file your claim and take care of paperwork and communications with your insurer. If you need to appeal, we can file on your behalf.
If you need help seeking your long-term disability benefits, contact our disability attorneys by filling out our online form or calling us at (267) 419-7888.