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When do you need to file your long-term disability application?

9 Sep 2020

I get this question all the time, and people just need to know, “When do I need to file my long-term disability insurance application in order to satisfy any time limits in my policy?”

Well, the simple answer is that every policy is different, and you have to know, based on your policy, when your deadlines are. It’s one of the very first things that you should do when you learn that you are disabled. You need to request a copy of your long-term disability insurance policy, and make sure that you know when those deadlines are. There is a period of time when you cannot file your long-term disability application. But then there’s a short window of time within which you have to file your long-term disability claim.


Disability Date

One of the most important things that you will need to know is what is the date of your disability. And based on that, you will calculate what the insurance company calls your elimination period. And your elimination period is that period of time within which benefits will not be paid. It’s that period of time within which short-term disability policies would apply, but the long-term disability does not apply until you are out of work for a period of time. It’s usually 180 days.


Proof of Claim

After that 180 days after your date of disability, a lot of insurance policies require that you file what they call proof of claim within 90 days of the end of your elimination period. So now you are looking at a three-month period, a nine-month period total, from the date of your disability. Some insurance policies will say something to the effect of, “Your claim won’t be denied solely because you filed late, as long as you filed as soon as reasonably practical.” What does that mean? And your guess is as good as mine, but don’t get caught in that period of time beyond the nine-month period where you have to file your long-term disability claim. Instead, make sure that you use that six months during your elimination period to gather all the documentation that you need, to make sure that your doctors put the right things in your medical records, to make sure that you get a physician statement that is robust and gives enough information for the insurance company to find in your favor. Use that time to build your case so that when the time comes, submitting your claim or your application is easy.

If you need more information or if you need help filing your long-term disability claim, I’d be happy to sit down and talk to you and make sure that you cross your T’s and dot your I’s.

Give us a call or send us an email. Let us know how we can be of better help to you.

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Brandon and his team at Osterbind Law are truly peerless. This is exactly how a modern personal injury firm should operate. The firm is holistic in its approach and thoughtful. It's no wonder why they get such great results for their clients. And no surprise, their clients love them. I've had the pleasure of working with Brandon on a professional level and he levels up, big time. Kudos.
Nathaniel Amendola
3 months ago

Very compassionate and knowledgeable people who helped us with our situation. They worked quickly and I can’t tell you how grateful I’m they were so caring. I would recommend this firm to anyone that anyone
Lori Rudder
a year ago

The entire team at Osterbind Law are incredible. They communicated with us with every step and process that was happening . They provided the knowledge, support, and empathy to us on the case. And when the curve ball was thrown, they dug in deeper. I have nothing but the highest respect for Brandon and Hannah and the entire team. They made us feel more like a family, than a client.
Wendy Shull
a year ago

The staff is caring and very knowledgeable. They help you as quickly as possible, and worked very hard for us. I'm so pleased with the way they assisted us.
Meghan Rudder
a year ago

Brandon and his team did a great job helping me through my case. I'm so glad I chose him and stuck with him through the transition to his own firm. The staff is very knowledgeable and friendly. They feel like family after all this! Thank you for everything!!Amber J
Amber Higby
2 year ago
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