Your Medical Story is the Key to Getting Your Long Term Disability Benefits
If your doctor has told you that you are unable to work and encourages you to apply for long term disability benefits, that is not going to be enough to assure you that the long term disability carrier will agree with your physician and send you a check for long term disability benefits.
You must prove it!
The starting point is to obtain a copy for your long term disability policy so that you understand the definition of disability that is applicable to you. To build a strong case that you are entitled to long term disability benefits, you must understand the definition of disability so that your physicians address your physical restrictions and limitations appropriately in their disability letters. For example, some long term disability policies define disability as the “inability to engage in the material and substantial duties of your occupation” while others define disability as your “inability to engage in all of the material and substantial duties of your occupation”. The starting point obviously, is to look at the Dictionary of Occupational Titles description of your occupation. It isn’t about your job- it’s about your occupation. Unless you and your physician understand what your occupation is, it will be very difficult for your physician to write a meaningful disability letter to convince the long term disability carrier that you are entitled to long term disability benefits.
If your long term disability claim has been denied because you have not told the story of your occupation or your medical story correctly, you need the assistance of Florida long term disability attorney, Nancy Cavey, who can make sure that your story is accurately and completely provided to your long term disability carrier. Call us today at 727-894-3188 or use the contact box on the right side of this page if you need help with your long term disability claim.