It is no secret that long-term disability insurance companies do not like paying claims. They are in a profit-earning business and look out for their own interests over other people. The interview is an essential part of the LTD claims process, where the insurer asks you several questions. If you are nervous about the interview, you have good reason to be.
When you want benefits and have been called for an interview, you must ensure you are prepared and answer each question carefully. One wrong word can be destructive and require you to start from scratch. Speak to an attorney to learn about the conditions that qualify for LTD in the United States.
Common questions the insurer will ask you while reviewing your long-term disability claim
- What type of health condition do you suffer from?
Before filing for a long-term disability claim, you should review the terms of your insurance policy. If your employer has provided you with insurance coverage, you have the right to access all the policy-related documents according to the ERISA law (Employee Retirement Income Security Act). You can request these documents anytime you want, free of cost. Ensure you have a qualifying medical condition and get all the diagnostic test results from your primary care physician.
- Has your medical condition changed or improved?
It is possible that your medical condition or disability might have improved with time. While you may be worried about losing the benefits, it is still essential that you are honest about it. Improvement does not necessarily mean that you are cured. And change may mean two completely different things. Explain what has changed, improved, or not improved. Do not be afraid to tell them you still suffer despite the changes and improvements.
- What are your symptoms?
To show the insurance company that you are suffering and prove to them that you deserve the benefits, you need to provide them with a detailed description of your symptoms as well as when you first started to experience them. List all symptoms and how they affect your daily life activities and professional work. Do not forget to back up your claims with documented medical records.
These are some of the common questions that you are guaranteed to be asked by the insurance company. It is important that you prepare yourself accordingly. Having an attorney can help.