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Applying for LTD? Make Sure the Insurance Company Has the Relevant Evidence!

Osterhout Berger Disability Law > Blog  > Applying for LTD? Make Sure the Insurance Company Has the Relevant Evidence!

Applying for LTD? Make Sure the Insurance Company Has the Relevant Evidence!

LTD claims involve many rules that are different from a typical insurance or contract dispute. One of the big differences is that the LTD company must be provided with all of the evidence in support of your claim before it issues its final decision. Otherwise, information not provided will not be evaluated if you later have to file a lawsuit against the LTD company. The application form is often very short, so you must not hesitate to attach additional pages to the application if necessary to fully explain all your medical conditions, your medical history (including all doctors you have seen, all procedures and testing that have been performed) and to describe the full effect of all your medical conditions (including all symptoms related to all medical conditions, as well as lingering effects of surgeries or other procedures, and side effects from medications or other treatments you are receiving).

In other words, it is much less of a problem if you tell the LTD company too much than if you leave out critical information. If you leave out something important, for instance, the LTD company will frequently argue later either that they are not obligated to consider it, or that the fact that you left it out means that it was/is not really a problem in the first place. Either way, of course, this can endanger your case.

Julie Phelps