Assembling a Paper Trail and Your Long Term Disability Carrier
Unfortunately, long term disability carriers have a habit “losing” important information that you might send to them, including activity of daily living forms. Nancy Cavey has written an informative book The Smart Long Term Disability Consumer Guide for Preparing for Your Statement and Field Visit that you should have before completing any long term disability activity of daily of living forms.
If you are submitting those forms or any other evidence, make sure that you’ve assembled a paper trail that can be followed. That means that you keep a copy of everything that you send and send it certified mail. If you have a conversation with your adjuster, make a summary of it and keep it in your records because you may need it in the future. Assembling a paper trail can be key to winning your long term disability claim.