ProHealth me-cfs 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

Twenty-Six Years of Hell: An ME/CFS/FM Recovery Story

The Opioid Painkiller Clampdown – Will it Lead to Better Drugs?

In Their Own Words: Chronic Fatigue Syndrome and Fibromyalgia Patients Describe Their Symptoms – Par...

Could Chronic Fatigue Syndrome (ME/CFS) Be a Chronic Form of Sepsis?

An Alternative to Goals and Resolutions: Intentions and Extreme Permissiveness

Top 10 Gifts to People Living with Pain

Unrest Flies High, Dr. Oz Talks ME/CFS and Ms Magazine Delivers

In Their Own Words: Chronic Fatigue Syndrome and Fibromyalgia Patients Describe Their Symptoms – Par...

Urgency: Ron Davis and His (Non-NIH Funded) ME/CFS Collaborative Research Center

Podcast: Myra Christopher Discusses Undertreated Chronic Pain and the PAINS Project

 
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
Mitochondria Ignite™ with NT Factor® Ultra ATP+, Double Strength MitoQ®


Article Comments



Be the first to comment on this article!

Post a Comment


 
Optimized Curcumin Longvida with Omega-3

Featured Products

MitoQ® MitoQ®
Powerful Antioxidant Support to Mitochondria
Hydroxocobalamin Extreme™ Hydroxocobalamin Extreme™
The B-12 Your Brain Needs for Detox & Sharpness
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%
Ultra ATP+, Double Strength Ultra ATP+, Double Strength
Get Energized with Malic Acid & Magnesium

Natural Remedies

The Revolutionary 'Good Fat' That Promotes Heart, Brain, Bone and Joint Health The Revolutionary 'Good Fat' That Promotes Heart, Brain, Bone and Joint Health
Restore Youthful Cognition and Well-Being Restore Youthful Cognition and Well-Being
Red Yeast Rice - Natural Option for Supporting Healthy Cholesterol Red Yeast Rice - Natural Option for Supporting Healthy Cholesterol
Three-Step Strategy to Reverse Mitochondrial Aging Three-Step Strategy to Reverse Mitochondrial Aging
Energy Breakthrough - One Fibromyalgia Patient’s Fortuitous Discovery Energy Breakthrough - One Fibromyalgia Patient’s Fortuitous Discovery

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 TO OUR NEWSLETTERS
Get the latest news about Fibromyalgia, M.E/Chronic Fatigue Syndrome, Lyme Disease and Natural Wellness

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

© 2018 ProHealth, Inc. All rights reserved. Pain Tracker App  |  Store  |  Customer Service  |  Guarantee  |  Privacy  |  Contact Us  |  Library  |  RSS  |  Site Map