Looking At A Long-Term Disability? 3 Things You'll Need To Navigate An ERISA Claim
You hoped it would never happen. Unfortunately, now you're looking at a debilitating disease. If your medical condition is going to require a long-term disability claim, don't take chances with your physical and financial future. If you're going to be dealing with an ERISA disability claim, here are three steps you should follow. These steps will help protect your rights, and ensure a satisfactory outcome for your claim.
Keep a Journal
Now that your disability is interfering with your ability to work, you need to start keeping a journal. Daily journal-keeping will allow you to monitor your condition and document how it's interfering with your life. Don't just document how your disability is making it difficult to work. You also need to document how it's interfering with your personal life, as well. For instance, is your disability preventing you from enjoying family activities? Are you experiencing pain on a regular basis? Are you unable to walk for extended periods of time? This is information that will help doctors—and disability workers—determine your level of disability.
Gather Your Documents
As soon as you start filing your ERISA disability paperwork, you need to begin gathering your documents. The disability board will be keeping a complete file regarding your claim, and so should you. The most important documents you can obtain are your claimant file, your personnel file, and your medical records.
Claimant File
Your claimant file is the set of records that the insurance company will create for you. Your claimant file will contain everything you'll need for an appeal—should one become necessary.
Personnel File
When it comes to proving that you can no longer carry out the duties of your current occupation, your personnel file is going to be your biggest asset. Your personnel file will outline your job description, as well as the duties you're required to carry out. As soon as you're no longer able to work, request a complete copy of your personnel file from your current employer.
Medical Records
Your medical records are the third component of your necessary documents. Contact each of your doctors and request copies of all your medical records. Be sure to request updates each time you see the doctor or receive additional treatment.
Speak to an Attorney
If you've filed for long-term disability, it's crucial that you speak to an attorney, especially if it looks like your claim will be denied—or has already been denied. An attorney can help you navigate the complicated application and appeals process that can often accompany ERISA disability claims.