When you can’t work due to a disability, you can rely on long-term disability insurance to help supplement your lost income. But before your insurance company approves your claim, they will want evidence that you meet their qualifications.

The evidence needed can be different for each insurance company. But most insurance companies will want proof that you can’t work and the amount of wages you’re not receiving. You will have to fill out a claim packet that provides evidence with:

  • A physician’s statement, explaining your disability
  • The medical treatment you need
  • The physician’s opinion on whether you can still work
  • A statement from your employer describing your job
  • Your salary
  • Tasks that you can no longer do at your job
  • Your personal information
  • A statement from you about your disability
  • Your medical history

Providing more evidence when appealing a denial

If you buy your long-term disability insurance through your employer, the insurance company must follow guidelines guaranteed by the Employment Retirement Income and Security Act (ERISA). If they deny your claim, ERISA law requires them to explain in detail what evidence was missing. Or if they feel your claim doesn’t meet the plan’s coverage, they must explain why.

You can use this explanation to appeal the decision and provide more evidence proving your claim.

Helping ensure an approval

When you file a claim for long-term disability benefits, you must prove to the insurance company that your disability qualifies for coverage. The guidelines of the insurance company will determine what proof you need. But having the proper evidence can give you a better chance for an approved claim.