Category Archives: Disability FAQ
You can appeal a denial without an lawyer but you should be aware that during the administrative appeal you have the burden to provide all of the medical evidence to support your disability claim, and once the appeal is over you typically can not go back and add additional information. It is very important… Read More »
When a claim is denied, the Plan will provide the applicable appeal procedures which you must exhaust before you can file a lawsuit claiming entitlement to the denied benefits.
The Summary Plan Description will tell you what you need to submit, which typically involves a statement from your doctor(s) as well as claims forms for you and your employer to complete.
You should specifically request a “Summary Plan Description” for any short-term/long term disability plans, and make the request in writing to the Plan administrator.
If I miss work due to an injury or illness how do I know if I have short-term or long-term disability benefits available to me?
If a disability plan is sponsored through your employer, it may be covered under a federal law (ERISA) that requires the plan administrator to provide you with the plan documents within 30 days of a written request. You can check with the human resources office at your employer to identify the plan administrator.