Stress, anxiety, panic-these are common emotions felt by those fighting for long-term disability. The process is more difficult than you expected. ; You are dealing with a medical condition that prevents you from doing your job and this insurance company wants you to provide information over and over again. Now they say – you are not disabled!!!

The complex nature of the long-term disability application process is stressful. The documentation the insurance company wants is overwhelming. Do you want to know what is the secret to winning your claim? Is there a secret?

First the disclaimer: No one can guarantee an initial claim will be approved. There are many variables, for example,

  • What is your disability insurance policy’s definition of disability;
  • What is your medical condition and how does it affect you (no two disabling conditions, and no two disabled individuals, are alike);
  • What bias does your individual insurance examiner or adjuster have;
  • Is this an ERISA policy or a private disability policy?
  • And many more…

While filing for disability insurance benefits seems straightforward, you quickly learn the process is anything but easy. 

There are some specific steps you should take to avoid the mistakes that kill many claims

Step 1 – Request the Proper Claim Forms

Step 2 – Read And Understand Your Long-Term Disability Policy

Step 3 – Understand What You Are Ultimately Trying To Prove

Step 4 – Submit a Complete and Well-Supported Claim

Step 5 – Understand What You Are Up Against

Here is the truth about anyone promising a secret to help you win – there is no secret and there is no guarantee. This process is tough.  It is stressful. Your strength will be tested. But having someone who has been through the process and knows what you are up against can be a tremendous help in relieving that stress and anxiety.

Loyd J. Bourgeois
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Accident, injury, and disability attorney serving Luling, Metairie, New Orleans, and South Louisiana