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Video instructions and help with filling out and completing short disability claim form

Instructions and Help about short term disability claim form

The disability application process for short-term or long-term disability benefits is probably one of the most challenging parts of the entire process when someone's seeking benefits whether they've been whether they're on claim or denied it's always going back to what was that initial application and in this video Steve I want us to talk a little about what that application process is how do we help claimants to go through that process and why it's important to have an attorney or an advocate be on your side when going through this process because as you know these disability insurance companies are often looking at paying out hundreds of thousands of dollars to a claimant, and it's right from the get-go that they're most looking to not pay that claim, so you know let's start out of the box as to why it's not just as simple as filling out those forms that the disability carrier sends to a claimant well the form seems simple enough self-explanatory, but they are set up in such a way to see if they can find ways to punch holes in it, I mean I think even the attending physician statements you may get on a monthly basis if you look over you notice it doesn't really a lot of times speak as to what the conditions may be or give the doctor a lot of room to even express opinions so these forms they may be asking for simple information, but something is as seemingly minuscule as possibly putting the wrong date of disability can completely affect your claim when they go, and they evaluate where you work in that day when you do in your duties, so it may seem benign and not too problematic or in depth but the company's really from the get-go trying to find a way to either figure out how they can deny a benefit if possible, or they're even setting up if they're going to prove it what's the quickest way to try to get you back to work they don't have to the return to work aka denial date yeah is what we usually see so let's let's back up a second there are two types of policies that we help people with or two types of law there's the ERICA govern policies which are usually the employer provided benefits and then there's the individual disability policies which are the ones that people either bought on their own from an agent or they got through an association like an American Dental Association or general surgeons Association or accountants things like that which are not governed by and there are significant differences in those two but at the end of the day the way that you apply ends up being the same, so we won't necessarily talk in this video about the ERICA nuances which we've done tons of videos on that so let's talk more generally about you know applying for benefits now when we were talking about what do we really want to talk about in this video we were saying how most of our clients who apply the ones who get hit by a bus or have some real catastrophic injury that those are no-brainer and those are far and few in the claims the real claims that...