Principal Attorney
If you cannot work because of an injury or illness, you may need long-term disability benefits to pay your bills and keep food on the table. Getting these benefits is not always simple. Insurance companies often look for reasons to deny claims. For this reason, strong medical evidence is crucial. It helps prove that your condition is real and that it truly keeps you from doing your job.
Why Medical Evidence Matters So Much
When you file a long-term disability claim, you are asking the insurance company to trust that you are truly unable to work. They do not just take your word for it. They want clear proof. Medical evidence provides a clear understanding of your diagnosis, its severity, and its impact on your daily life. Some key forms of evidence include:
- Doctors’ notes
- Test results
- Medical images like X-rays or MRIs
- Treatment records
Good medical evidence can make the difference between getting your claim approved and getting a denial letter in the mail.
What Good Medical Evidence Looks Like
Insurance companies like to see detailed records. A brief note from your doctor stating that you are “unable to work” is not sufficient. Your records should explain your condition, the symptoms you are experiencing, the duration of your symptoms, and the reasons why you are unable to perform your job.
For example, if you have severe back pain that prevents you from sitting or standing for extended periods, your doctor should document this in their notes. They should also explain how it limits your work tasks. If you see a specialist, such as a neurologist or pain management doctor, their notes should also back up your claim.
Your medical evidence should be up to date. Old records can help show the history of your condition, but you will also need recent records to show how you are doing now.
Keep Going to Your Appointments
One mistake people make is skipping medical appointments. It can be hard to keep going to the doctor, especially if you feel like nothing is helping. But missing appointments gives the insurance company a reason to question your claim. They may say you are not actually disabled if you do not follow up with your care plan.
Keep seeing your doctors and specialists, and let them know how your condition affects you daily. If a treatment does not work or worsens things, tell your doctor. The more your medical records explain your struggle, the better.
How Other Evidence Can Help
Along with medical records, statements from people who see you every day can help. Family, friends, and coworkers can write letters explaining what they have seen. Perhaps your spouse notices that you struggle to get out of bed on some days. Maybe a coworker knows you had to leave work early many times because of pain. These letters can support what your medical records show.
You may also need to undergo an independent medical examination at times. This is when the insurance company selects a doctor to examine you. Be honest during this exam, and tell the truth about your symptoms.
Be Ready for Appeals
Even with strong medical evidence, some claims are initially denied. This can be frustrating, but it does not mean the fight is over. Many people win their benefits on appeal. Substantial medical evidence will be crucial during an appeal, so continue to visit your doctors and keep all new records organized.
Contact a California Disability Attorney Today
Filing for long-term disability benefits can feel tiring. You may feel like the insurance company is working against you. However, it is essential to remember that these benefits are intended to assist individuals like you who are truly unable to work due to a serious condition.
You do not have to figure it all out alone. If your claim is denied or you feel lost about what to do next, Disability Advocates Group is here for you. We help people all over California fight for the benefits they need. Call us today for a free consultation and find out how we can stand up for you.
