Filing for disability can be a frightening and a lengthy experience. If you are suffering from physical disability or mental health disability, it is important to consider not only what types of disability you may qualify for but also what steps will need to be taken to proof up your disability so disability benefits can be awarded.
Private disability policies differ from public disability programs, such as Social Security Disability Income, SSDI. As a result, there are variances into what the programs will require to determine your eligibility. One of the most important aspects of filing for disability will come with the concise and long term documentation in medical records that support your progressive deterioration in health and your total inability to work.
Many employees, for example, will file for workman’s comp disability immediately after sustaining a work injury. In the case of workers’ compensation claims, disability is simple to prove and benefits are paid for short term disability. In most other disability plans, however, there must be a substantial amount of time in progressive deterioration before disability payments will be awarded and paid.
Before you attempt to file for disability benefits, of any type, it is important to meet with an attorney to discuss your options and what processes should be considered before your first attempt at filing. All too often, we fail to prepare for the first filing for disability and, as a result, our disability claim is denied only to make the process far more difficult to appeal and re-file. With an attorney’s guidance at the onset, you can have all of your documentation prepared to ensure that your initial claim is submitted well and then, if denied, less work will be required to appeal the claim.
Hiring an attorney for all of your disability matters is not necessary. But, at least, one consultation with legal counsel is important to ensure you get professional advice from an attorney who specializes in public and private disability filings. Typically, you can often the names of qualified attorneys through local resources.
Disability, whether physical or mental, is a life altering health complication that must be addressed at many levels. If you are completely unable to work, then consider filing for long term disability, or SSDI, but only after you have made every attempt to document your health and attempted to return to work without success.
Sources: Eight Mistakes to Avoid When Filing for Social Security Disability Benefits, by Hensley Legal Group