It’s hard enough to get involved in an accident that leaves you incapacitated, and it gets harder when you aren’t able to provide income to your household because you’re unable to work. To remedy this, the Long Term Disability program aims to replace your income after an injury renders you unable to work, care of Massachusetts’ Group Insurance Commission and insured by Unum.
To qualify for the Long Term Disability program in Massachusetts, you must simply prove that you have been unable to work for 90 consecutive days due to injury or illness. However, there are other things you must be able to procure in proving that your disability will indeed last for long term.
The most important factor in proving your disability is your doctor’s opinion. Your doctor will be expected to complete a certain form or present a written statement of his opinion on your disability. Other than your treating doctor’s opinion, you might also be required to present medical records related to your injury or disability, including clinic notes relevant to your condition, lab results, exam findings, x-rays, MRIs, and surgical reports.
To prove that your disability is expected to last for a long time, you must also continue receiving treatments from your doctor, both while your LTD claim is still being processed and when you have been approved for benefits. One ground of discontinued benefits is failure on your part to receive treatment.