When you are suffering from a chronic illness, the decision to file a long-term disability claim can be a daunting one. Not only is the process long and riddled with red tape, but the appeal process can make it even longer. In order to help speed things along, take these few simple tips to mind.
The number one thing to think about is documentation. You are going to need a lot of documentation from your primary physician. The best advice is to speak with them as soon as you begin thinking about filing a long-term disability claim. Make sure they know how to handle long-term disability cases and the ins-and-outs of the whole process.
Next, be sure you document every instance of contact you have with the insurance company and any of its representatives. Detail and document as much as you can about these conversations. Write down the dates, times, and names of all parties included in phone or live conversations. Read all mail correspondence to verify accuracy and send in corrections when necessary. When sending items through the mail, it is a good idea to send them a registered mail to ensure delivery.
In today's social media world, it is a very good idea to keep all aspects of your case (and your life) off of social networking sites, like Twitter, Facebook, chat rooms, and internet forums. Anything you post is open for anyone to see and use, including insurance companies.