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Questions when making a group long term disability claim

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If you find yourself making a long term disability claim, it means one thing: you don't expect to return to work anytime in the near future.

While an illness or injury that keeps you away from work is never a good thing, your situation can be made a bit easier by a comprehensive disability insurance policy that replaces some of your income.

If you are in the process of making a claim, you are likely to have questions. You can seek answers on your own, while also speaking directly with your company's Human Resources department. Furthermore, there may come a time when you need to communicate directly with the insurance company.

Some of the most common questions associated with a group long term disability claim include:

-- Do I have to opt for short term benefits first?

-- How does the insurance company determine if I am disabled and eligible for benefits?

-- How long will my benefits be paid?

-- What are my options for receiving payment (check, direct deposit, etc.)?

-- Are there any additional benefits available for somebody in my position?

If you find yourself faced with one or more of these questions, it is important to seek an immediate answer. You don't want to continue forward without the appropriate knowledge, as this could cause you more harm than good in the future.

Like most, you don't have much experience making a group long term disability claim. This is why you will have questions. Be sure to speak with whomever necessary to obtain timely and accurate answers to all your questions.

Source: MetLife, "Group Disability Insurance Overview," accessed June 15, 2015

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