Speed Up Short Term Disability Claim

The percentage paid up by the disability insurance company ranges on the employee’s salary. Some larger employees may offer 100% disability pay.

The key players in a short term disability insurance claim are:

(1)Name of the company where insurance is being done, policy number, policy term, phone number, and if possible the name of the person holding that claim. It is always possible that one person would not hold the whole claim so one needs to check to note down the points of each person contacted when discussing the claim with anyone.

(2)Contact details of representative at the employees company. This facility will help one to contact Human Resource in case of filing a claim.

(3) Doctor’s and his assistant’s contact information. This is more likely in case of claims processing where the doctor’s assistant will be the point person.

(4)Many a times a person who is filing the disability claim may be unable to receive the phone calls and paperwork necessary so as to process the claim. For such a case, the employee must appoint an representative which the insurance company which would give permission to so that the claims information may be given to authorize representative.

Many insurance companies make repeat attempts to obtain the patients information. If they don’t get then the insurance company will contact the person to notify him of his inability to process the claim further.

To ensure the timely processing of the claim is up to the patient who is filing the claim. . So it is important to take the lead role to ensure a timely claim. It may also be necessary to ensure that you place a daily phone call to both the insurance company and physician’s office to check that the information is being properly communicated and necessary documentation is transmitted. If a delay happens it may lead to the denial of claim. If once the claim is denied it is really difficult to get them reverse the decision and even if done would be time consuming process.