Frequently Asked Questions

What are the Common Mistakes Made on Long Term Disability Claim Forms?

Frank Darras:

“The most common mistakes on long term disability claim forms is confusion. The carrier asks you, what are the limitations or restrictions? And you say, I can’t bend, I can’t stoop, I can’t push, pull, or carry. And most insured forget about the cognitive side effects of the pain medication that they’re taking. They can’t focus. They can’t concentrate. They can’t stay on task.”

“Or an insured will use the words always or never. I never pick up anything over five pounds. The next thing that happens is the carrier goes out and videotapes the insured buying groceries, two bags of groceries, 10 pounds in each arm. Now we’ve got a problem.”