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6 Ways to Win Your Long-Term Disability Claim or Appeal

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Anyone who applies for long-term disability insurance is required to prove that they are unable to work due to their conditions. Sometimes, when submitting a claim, the medical records and statements provided may not be sufficient. If your long-term disability benefits claim was denied, you have the right to appeal. However, it is a good idea to create an ironclad claim before submission to avoid the need to appeal completely. Here are our top tips for winning an LTD claim or appeal. 

Hire A Lawyer

Disability insurance is a complex field that can be difficult for even the most educated person to navigate. Working with an attorney who has experience with disability insurance policies and laws is the best way to effect a positive outcome. A lawyer will be able to help with your own occupation disability insurance and all occupation claims or appeals with equal finesse.

Make Sure You Have Objective Evidence

LTD claims that are submitted with strong objective medical evidence are more likely to be approved. An insurance provider will have a hard time denying objective advice from a reputable medical professional, even if they have their own doctor perform an evaluation. Gather clinical statements, lab tests, and the results of your functional capacity evaluations prior to submitting a claim or an appeal.

Get A Copy of Your Claim

If your claim has been denied and you plan to appeal, make sure you have a copy of your original claim. The claim file will have all communications between you and the insurance provider, copies of submitted forms and reports, and, the guidelines used to deny the claim. Knowing why your claim was denied will help you cure those problems upon appeal.

Prepare a Vocational Assessment

This assessment will provide thorough detail as to why your conditions prevent you from remaining gainfully employed. This assessment may include a list of duties and how your conditions prevent you from completing those duties. Depending on the policy type, the assessment will also determine if you are qualified to work in a different occupation while suffering from a disability.

Hire Your Own Experts

When filing a claim or an appeal for long-term disability benefits, assessments play a critical role. The insurance company will always have its own evaluators, but you have the right to hire your own. Have a reputable medical professional perform a functional capacity evaluation for consideration. Mental health is another important aspect to be assessed. You can also have a trained medical provider perform a neuropsychological evaluation for both cognitive and mental health changes.

Respond to the Denial

It is important to review the reasons your claim was denied and remedy those issues. The most common issues are a lack of medical evidence, poor or no treatment for the condition, and no evidence that there are severe symptoms. Being able to work with certain accommodations and actually having your condition improve are other common reasons for the denial. Respond to each denial reason provided to avoid facing an appeal denial.

Get The Benefits You Deserve

With the right planning and a savvy attorney, getting approval for LTD benefits will be a breeze. For those who are facing an appeal, working with a lawyer and following the suggestions above will put you on the path to success.

Author Bio: Heather Blacksmith has a Bachelor’s Degree in Finance and works at a finance firm based in Seattle, Washington. She specializes in small business finance, credit, law, and insurance. When she is not working, she spends her time in her favorite coffee shop writing on various finance-related topics. Other than that, she enjoys adult coloring books, recycling, and running.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Lifestyle

How Critical-Thinking Skills Will Enable Your Kids to Battle Misinformation

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Photo: Tuttle Twins

Michael Currier of Massachusetts is an unvaccinated gastroenterologist and entrepreneur, and he’s seen misinformation firsthand. He’s long been teaching his kids how to spot misinformation, but they were naturally skeptical when they didn’t hear it from anyone but him. However, the right books taught his kids how to combat misinformation, and they will teach your kids too! If you’re wondering how to raise independent thinkers who can spot misinformation, the Tuttle Twins books are essential tools for your toolbelt.

How Critical Thinking Combats Misinformation

When kids can think critically, they become able to evaluate the credibility of sources and look for evidence, also identifying their own and others’ biases. Critical thinkers don’t just passively absorb information; they take it apart piece by piece to see what makes it “tick.”

Critical thinkers question the credentials of an author or source, alongside their motivations and whether they provide supporting evidence that goes beyond just statements that require trust. Kids who can think critically also spot confirmation bias, which is the tendency to believe something that fits in well with the thinker’s current belief system or worldview. This reduces demand for fake news that simply elicits an emotional reaction.

When your kids can think critically and independently, they will also be able to spot logical fallacies, like drawing causal conclusions from data that’s simply correlational. Critical thinkers can also tell the difference between scientific evidence and someone’s opinion.

Independent, critical thinkers don’t just read a page. They look up information from other trusted sources to verify that the original source is accurate. Critical thinking also encourages a healthy skepticism that causes independent thinkers to pause and assess emotionally charged content before they spread it around, realizing that misinformation frequently exploits outrage or fear.

Critical thinkers can also recognize propaganda tactics such as loaded language, false dilemmas, and “alternative facts.”

Photo: Tuttle Twins

Seeking Out Books that Teach Critical Thinking

At this point, parents wondering how to raise independent thinkers will want to look for books that teach critical thinking, like the Tuttle Twins series. The Tuttle Twins books explain things like misinformation, freedom of speech, and even the World Economic Forum while explaining that certain people get to decide what is and isn’t misinformation.

Books that teach critical thinking don’t just present facts. They encourage kids to analyze, evaluate, and put together arguments, frequently shining a light on logical fallacies and biases while calling for active application instead of a passive taking-in of information. Books that teach critical thinking will help you with how to raise independent thinkers by guiding you and your child through reasoned questioning and requiring evidence behind facts.

The Tuttle Twins series wraps every lesson in an engaging story that doesn’t just teach the information presented. The Tuttle Twins books also encourage all the above elements found in books that teach critical thinking. You can even enhance the critical-thinking skills embedded in all the Tuttle Twins books by pausing throughout the story and asking open-ended questions such as: What do you think the character should do next? What were some alternate solutions to the problem? What do you think could have been the consequences of those solutions?

Books that teach critical thinking like the Tuttle Twins series will go a long way toward helping you learn how to raise independent thinkers. They will also help you create special moments with your kids that they’ll remember forever! Join the growing number of parents who don’t want their kids to just be passive absorbers of information.

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