Before an insurance adjuster approves your disability insurance claim, they will investigate and look for reasons to deny or limit your benefits. You need to anticipate this investigation, which is why a successful long-term or short-term disability application includes more than your completed forms. A strong LTD claim also contains detailed evidence that documents your medical conditions, identifies your limitations, and shows that you meet the policy’s definition of disability. Building this evidentiary record isn’t a simple process. In this article, we explain how you can “stack the record” and prove to the insurance company or the courts that you’re […]
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