Activate Now
 
ProHealth health Vitamin and Natural Supplement Store and Health
Home  |  Log In  |  My Account  |  View Cart  View Your ProHealth Vitamin and Supplement Shopping Cart
800-366-6056  |  Contact Us  |  Help
Facebook Google Plus
Fibromyalgia  Chronic Fatigue Syndrome & M.E.  Lyme Disease  Natural Wellness  Supplement News  Forums  Our Story
Store     Brands   |   A-Z Index   |   Best Sellers   |   New Products   |   Deals & Specials   |   Under $10   |   SmartSavings Club

Trending News

Cistus: A Natural Antibiotic, Antiviral, and Biofilm Buster

ACTION ALERT: Improve US Chronic Pain Care

Big step towards cure for HIV and other lifelong viral infections

SURVEY RESULTS: Attitudes About Fatigue

How Omega-3 Fights Depression

Superfood Trio: Ginger, Turmeric, and Carrots?

Rejuvenate Your Skin Naturally With Sea Buckthorn Oil

A Smile

Can Drinking More Water Help You Lose Weight?

Resveratrol’s Link to Slowing Alzheimer’s

 
Print Page
Email Article

Ask the Disability Attorney: How to File for Long Term Disability Through Your Employer

  [ Not Yet Rated ]   [ Discuss This Article ]
By Justin Franke and Jason Newfield, Attorneys at Law • www.ProHealth.com • August 29, 2014


Ask the Disability Attorney: How to File for Long Term Disability Through Your Employer
Q: I have been paying long term disability insurance for years through my work... I now need it. How do I go about applying for it and do they understand that this disease does not get better over time? - Jill

A: If this insurance is through your employer, you will typically notify the employer of the need to go out on disability and request claim forms. Long term disability will usually have a waiting period - which can be 30 days, 60 days, 90 days, or even 180 days. Often, there is short term disability coverage to help bridge that time frame (the waiting period is called an elimination period in the policy, which is akin to a deductible in other insurances). The critical aspect of the claim is getting your doctor(s) to articulate or detail the HOW and WHY you are unable to perform your job, not simply the conclusion that you are disabled. The conclusion will not help get you paid, the HOW and WHY is what will help get the claim approved.

If it is a condition that has deteriorated over time, expect that the insurance company will want to know why you can no longer work, when you have worked with the condition for a period of time. It is a good explanation that your condition has deteriorated, but the insurance company will likely want proof of the deterioration.

If the insurance is a private policy that you hold the coverage yourself, then you will need to notify the insurance (preferably in writing) about the claim and request materials to file the claim.

The remainder of the above guidance will apply to this as well.

For more information see "Fibromyalgia and Disability Claims".

If you have questions, please feel free to call us. Frankel & Newfield, PC - Attorneys at Law. 1-877-583-2524



Post a Comment

Featured Products From the ProHealth Store
Vitamin D3 Extreme™ Mitochondria Ignite™ with NT Factor® Energy NADH™ 12.5mg

Looking for Vitamins, Herbs and Supplements?
Search the ProHealth Store for Hundreds of Natural Health Products


Article Comments



Be the first to comment on this article!

Post a Comment


 
Natural Pain Relief Supplements

Featured Products

Energy NADH™ 12.5mg Energy NADH™ 12.5mg
Improve Energy & Cognitive Function
Mitochondria Ignite™ with NT Factor® Mitochondria Ignite™ with NT Factor®
Reduce Fatigue up to 45%
Optimized Curcumin Longvida® Optimized Curcumin Longvida®
Supports Cognition, Memory & Overall Health
Ultra EPA  - Fish Oil Ultra EPA - Fish Oil
Ultra concentrated source of essential fish oils
FibroSleep™ FibroSleep™
The All-in-One Natural Sleep Aid

Natural Remedies

Fatigue & Fibro Fog: Could You Have a B-12 Deficiency? Fatigue & Fibro Fog: Could You Have a B-12 Deficiency?
Can Glycine + Amino Acids Be the Secret to Deep, Rejuvenating Sleep? Can Glycine + Amino Acids Be the Secret to Deep, Rejuvenating Sleep?
Vitamin E: Super Antioxidant We Only Thought We Knew Vitamin E: Super Antioxidant We Only Thought We Knew
The Guaifenesin Story: A centuries-old bark extract used for clearing the airways – now key to a popular FM symptom-reversal protocol The Guaifenesin Story: A centuries-old bark extract used for clearing the airways – now key to a popular FM symptom-reversal protocol
Mitochondria-Booster NIAGEN® Shows Promise in First Human Clinical Trial Mitochondria-Booster NIAGEN® Shows Promise in First Human Clinical Trial

CONTACT US
ProHealth, Inc.
555 Maple Ave
Carpinteria, CA 93013
(800) 366-6056  |  Email

· Become a Wholesaler
· Vendor Inquiries
· Affiliate Program
SHOP WITH CONFIDENCE
Credit Card Processing
SUBSCRIBE AND SAVE 15% NOW*
Be the first to know about new products, special discounts and the latest health news. *New subscribers only

CONNECT WITH US ProHealth on Facebook  ProHealth on Twitter  ProHealth on Pinterest  ProHealth on Google Plus

© 2016 ProHealth, Inc. All rights reserved. Pain Tracker App  |  Store  |  Customer Service  |  Guarantee  |  Privacy  |  Contact Us  |  Library  |  RSS  |  Site Map