Tips on Filing Out a Disability Insurance Application

Filling out a disability insurance claim form can be a difficult task. These forms ask you what you are able and unable to do. You want to give the person that is reading the form a good picture of your issues. Be truthful and  do not provide limited answers, over-disclosure is necessary.

Research Your Disability

Make sure you know your disability inside and out. You should be able to describe all of your symptoms. You might want to search the internet for information on how claims with your disability were treated in the past so that you have a general idea of what to look for.

Include Documentation

Include a copy of your resume with contact numbers so you are able to prove that you worked prior to becoming disabled. You will also need a letter from your doctor that documents your illness and your diagnosis. You should also make sure that you have signed a letter releasing your medical records. This will expedite the process and make you life much easier. You will also need to include a list of all the medication that you are taking, as well of changes of dosages that your doctor has made.

Occupation and Financial Information

You must complete your occupation and financial information carefully. This part of the form is used to calculate the amount of the disability payments. Be as accurate as possible, for example if you are a nurse, write “General Duties of a Nurse.” This would give a good idea of what your duties actually are. Use your judgment and be specific, if you need to be.

Be very detailed when completing your financial information. If you are making more money this year than is evident on last year’s tax return, find some way to indicate this to the insurance company, for example by enclosing a weekly pay stub.

Non-Physical Ailments

Insurance company forms often do not have a specific space for you to list non-physical ailments, but make sure you write them in. Such non-physical ailments could be difficulty concentrating, irritability and fatigue.

Always Be Specific

Your answers, especially on the medical section of the form, should be more than one word responses. If the form asks “do you have trouble walking up stairs”, do not just write yes or no. Be thorough. Write something like “there is a shooting pain on my left side when I try to walk up the stairs.

Give both qualitative and quantitative answers. If it hurts to stand up for too long, write on the form approximately how long you can stand up before it starts hurting. Also make sure to give examples.  For example, “yesterday when I was trying to cook a meal, it hurt too much to stand up, so I had to discontinue my cooking.”

Be Truthful

Do not exaggerate on your form. Insurance companies often put claimants under surveillance. If they catch you standing up for 30 minutes when you wrote on your form that you cannot stand for more than 10 minutes that would be sufficient reason for the company to deny your claim.