If you’ve found this post, it’s likely that under your current circumstances, you feel it’s necessary to make a disability claim. You can file for short or long term disability insurance if you become disabled – but keep in mind that you may not be able to immediately receive disability benefits .
Generally, you should expect to wait a minimum of 45 days for a determining response for your claim. The process can take, in all, up to six months, occasionally even longer. During this time, your insurance company will need to gather all of the information they need to give evidence of your benefits requirements.
Let’s break down the process of filing for long or short term disability insurance, and how this process can end up spanning over several weeks or months.
What Influences the Time it Will Take to Process Your Disability Insurance Claim?
There are a number of factors that may affect the duration of your claims process. These include:
Your supplied medical information
To legally be entitled to disability benefits, you will need to supply relevant medical information for your claim. Your insurance company may need to communicate with the healthcare professionals who are responsible for your disability treatment to gain access to the medical records they need.
Ultimately, there needs to be sufficient evidence that you are unfit to continue work in order for your claim to go forward.
Your current or most recent job
Another area that will need to be thoroughly considered by your insurance company is your current or most recent job. Your insurance company will need to gather evidence that you are no longer able to perform your duties at your current workplace based on the required skills of the job.
In some instances, it will be simple to gather this information – but can be a fairly lengthy process.
The application process
At Life Matters Claims, we handle every aspect of your total and permanent disability insurance claim for you.
Once we have the appropriate documentation to support your case, we can fill in the appropriate forms to make your claim. However, it may take weeks after this initial form filling to result in approval for you to receive benefits.
Is it Possible to Speed up the Process?
If you work with an expert who can manage your claim on your behalf, then yes. At Life Matters Claims, we don’t get a fast track to a response to your claim, but we can certainly speed things up with our industry knowledge and familiarity with the policies you may receive.
We have a much greater understanding of what documents are needed upfront from you, therefore saving the back and forth between the insurer and you, the client. We can handle the claims process for you, so rather than feel a building pressure with every day of no response from your insurer, you can rest assured that we’re working on it on your behalf.