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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

What Makes Baden Bower’s Publicity Strategies Outshine the Competition?

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Baden Bower excels with its distinctive approach to securing client media placements within short timeframes, often as little as 72 hours. The company has differentiated itself from competitors, typically requiring weeks or months to ensure coverage. The company attributes its success to its unique value proposition and effective digital strategy.

The Power of Guaranteed Publicity

Baden Bower offers clients “guaranteed publicity” on prestigious platforms like Forbes, Vogue, and Business Insider. This bold promise attracts businesses and individuals looking to enhance their brand visibility. 

CEO AJ Ignacio reports that clients often see a 20-50% increase in website conversion rates after being featured on renowned platforms. The firm also reports a 685% year-over-year revenue increase in 2023, exceeding the industry’s 2-5% average growth rate.

Statistics show that companies engaging in regular PR activities see an average revenue increase of 23%. These companies also report a 53% rise in website traffic, highlighting the importance of PR in digital marketing and lead generation. A Holmes Report survey indicates that 79% of chief marketing officers believe earned media, secured through PR efforts, is more effective than traditional advertising in driving business results. Baden Bower’s service meets this growing demand for effective exposure.

Effective Digital Strategy Harnessed

Baden Bower’s digital strategy reflects its progressive approach. The company maintains a sleek, professional website displaying its “guaranteed publicity” service. Its online platform is optimized for user engagement, showcasing client success stories and detailed service explanations that enhance transparency and trust.

Some experts, however, caution that Baden Bower’s rapid service might not always reflect the complexities of media engagement. “Securing media placements involves building relationships with journalists and understanding their editorial priorities,” explains a veteran PR consultant. “While Baden Bower’s approach grabs attention, its long-term sustainability needs assessment.”

The Future of PR in the Digital Age

As PR evolves, Baden Bower remains innovative. With the global PR market projected to grow to over $133 billion by 2027, the company is well-positioned to capitalize on the increasing demand for effective communication and reputation management.

In 2030, trends like data-driven PR strategies, influencer marketing, and omnichannel approaches will dominate. Baden Bower’s readiness to adopt new technologies and trends will be crucial for its success. “We constantly explore new ways to help our clients stand out,” Ignacio asserts. “By adapting to our clients’ changing needs, we aim to redefine PR.”

While the effectiveness of Baden Bower’s strategies is yet to be fully realized, the company has disrupted traditional PR norms. With visibility and credibility at a premium, Baden Bower’s strategies may be the key to unparalleled client success.

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