How to File a Disability Insurance Claim

Need to file a disability insurance claim? Not sure what to do first? The very first thing you should do is know what is required to file.

Do I qualify to file a disability insurance claim?

Before you begin the filing process, make sure you meet all of the requirements to file.

  • Have you been unable to work for the required time period? Check the requirements of the policy in question. As soon as you have met the time requirements it is very important that you file right away.
  • Do you have the support of the medical staff in charge of your illness or injury? You will need letters from your primary physicians to qualify to file your disability insurance claim.
  • Check all of your dates. Make sure these are accurate. They will be a big part of deciding your benefit amount.

Once you have all your paperwork and time requirements, start the filing process as soon as possible. In the past, this required calling to make an appointment, going to an office, possibly several miles away, and it generally took up a large chunk of time. Now we have the internet. Just go to a website, fill in the required information and you are done.

Step 1 – Fill in the online application

Go to the website, locate the online form and fill it out very carefully. Make sure all information is correct and in the appropriate line. If possible, print this disability insurance claim form and keep it handy, you will need this later. Tip: call to verify that your application was received.

Step 2 – The personal interview

A personal interview is required, you will have to have a personal interview to gather further information and answer questions that are not on the online form. You may conduct this interview by phone or in person. The phone interview is the easiest for most applicants. But you may choose to interview in person. Tip: write down all important information from the interview.

Step 3 – Provide the necessary proof and documentation

During the personal interview process, the interviewer will have informed you of all other documentation required to file your claim. Gather the required documents as quickly as possible. There will be a deadline to get these submitted. These are very important and sensitive documents. The best way to send these types of documents is by certified mail. You will then have proof of when they were received. You will receive a acceptance or denial letter in the mail. Tip:  Make copies of everything you send. Put it with your initial online application.

Step 4 – Receiving your letter

Next you will receive a letter informing you of your acceptance or denial. If you are denied, the letter will state why your claim was denied. If you need more proof or documentation, get it around right away and send in the same way as the tip in step 3. If the reason for denial is unreasonable, it is time to contact legal help filing your disability insurance claim. Tip: send all documentation and information as soon as possible. Getting your information fast will speed up the process. Always keep hard copies of all correspondence.

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