2 Tips That Can Help You Qualify For ERISA Disability Benefits

One of the most difficult things that you can do when you have reached the point where you are unable to continue working due to a disability or injury is applying for ERISA disability benefits or long-term disability benefits, mostly because the insurance companies that pay for these benefits will often do everything that they can in order to find a way to avoid having to pay for those benefits. Listed below are two tips that can help you qualify for ERISA disability benefits and maintain those benefits.

Strictly Follow Your Doctor's Orders

One of the most important things that you can do in order to make sure that you qualify for long-term disability benefits and are able to keep those benefits for the entire time that you need them is to strictly follow your doctor's orders. The main reason for this is that your doctor will give you a list of activities that you need to avoid when you have become disabled and are applying to get long-term disability benefits, and if you fail to comply with that list and there is a good chance that you could end up losing your benefits.

This is because it is not uncommon for the insurance company that intends to pay for the long-term disability benefits to put you under surveillance or hire a private investigator to follow you around in order to make sure that you are actually disabled. In the event that the private investigator discovers you doing an activity that the insurance company does not believe is possible with your injury or disability, the insurance company can cut your benefits.

Collect As Much Evidence About Your Condition As Possible

Another step to take in order to make sure the qualify for your disability benefits and to help ensure that you keep those benefits for as long as possible is to collect as much evidence about your condition as possible. Rather than simply being content with the form that your doctor fills out for the insurance company, request that your doctor actually completes an entire and comprehensive report about the severity of your condition and the limits that it places on you. While this may end up costing you some money as the doctor will likely charge for this report, having that report is very useful in the event that the insurance company attempts to cut your claims or dispute the level of your disability.

Speak with your doctor and your employer's human resources department today in order to discuss what you can do to ensure that you qualify for ERISA disability benefits. Strictly following your doctor's orders and collecting as much evidence about your condition as possible are two very effective ways of making sure that you qualify for disability benefits and can keep those benefits for as long as you need them. For more information, contact companies like Iler and Iler.