Do You Need a Proper Medical Diagnosis to Qualify for Long-Term Disability Insurance? 

Before you can qualify for a long-term disability policy, the insurer will require medical evidence that you have a disabling injury that was caused by your occupation. As with any lawsuit or injury case, the plaintiff has the burden of proof to show their condition is work-related and was an accident that caused harm. The applicants and their doctors must prove the injury or illness has prevented them from working and will continue to do so in the future.

Evidence of an injury that would qualify for long-term disability insurance is the diagnosis letter issued by your doctor or specialists. Not all conditions qualify for this type of insurance. However, your doctor can know more about the conditions that qualify for LTD. The letter must confirm the extent of your employment-related injuries, what you can no longer do, any limitations you face due to your condition, and how long you might be unable to work before it heals enough for light-duty work. Your doctor should be able to write medical diagnostic criteria that meet the insurance requirements as set forth in the policy wording.

What if you need a copy of your medical records?

If your doctor’s office or hospital has asked for a copy of your medical records and you want to be sure it reaches them safely, you can use the professional services of Medical Records Legal Service. This service will forward medical records to physician offices, hospitals, or attorneys for an affordable price.

Can You Keep Your Medical Records?

Some insurance companies require a copy of your complete medical records at the time of filing for long-term disability insurance. These are not just “consent” forms, but official documents that contain diagnosable conditions and treatment outcomes. A copy is usually required for any claims that are based on the diagnosis letter issued by your doctor. After you file for Long Term Disability Insurance, requesting a copy of your medical records from the insurer can save you time and money in filing additional claims. If you are unable or unwilling to provide copies, then you may be denied coverage or charged late fees after the claim has been approved.

How can An Experienced Disability Lawyer Help You with the Claim?

If you need help applying for long-term disability insurance, an experienced disability attorney can help. Your lawyer will know what is expected of the diagnosis letter and whether or not it conforms to the policy requirements. If your doctor has written a letter that is not sufficient, then they can help get you another one that is acceptable.