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What Evidence Helps with Disability Claims?

What Evidence Helps with Disability Claims?

When it comes to securing long-term disability benefits, the strength of your evidence can mean the difference between an approval and a denial. Insurance companies are looking for clear, detailed proof that supports your claim and demonstrates your inability to perform job-related functions due to a disabling condition. Understanding what evidence is considered persuasive and how to present it effectively can significantly impact the outcome of your case. At Bartolic Law, we have extensive experience in helping clients gather and present compelling evidence to support their disability claims. 

Why Strong Evidence Matters

Insurance companies are often quick to deny claims, interpreting any gaps or ambiguity in your evidence as reasons to reject your application. The burden of proof lies on the claimant to demonstrate not only the existence of a medical condition but also its impact on their ability to work. Without robust evidence, even valid claims may face denial. That’s why collecting, organizing, and analyzing comprehensive documentation is essential.

Types of Evidence That Strengthen Your Disability Claim

To build a compelling case, focus on these key categories of evidence:

Medical Records

Medical records form the backbone of any long-term disability claim. These documents provide objective evidence of your condition, including:

  • Diagnosis – Clearly stating the specific medical condition(s) causing your disability.
  • Treatment History – Notes from your healthcare provider about treatments, medications, and their effects.
  • Functional Limitations – Results from physical tests, psychiatric evaluations, or imaging studies (e.g., MRIs or X-rays) that demonstrate your inability to perform occupational tasks.

Ensure that the information in your medical records is consistent and up-to-date. In ERISA disability claims, insurers often scrutinize this documentation to verify that your limitations align with the policy’s definition of disability.

Personal Statements

Your own narrative can provide valuable insight into how your condition impacts your day-to-day life. A well-written personal statement should include:

  • A description of your symptoms and how they affect your ability to work.
  • Examples of tasks you can no longer perform or must now significantly modify.
  • Emotional and psychological effects of your condition.

Personal statements add depth to your claim by humanizing your experience, especially when coupled with objective medical data. Including photo or video evidence of your struggles, as Bartolic Law often recommends, can further strengthen your case.

Third-Party Testimonies

Testimonies from colleagues, supervisors, family members, or friends can support your claim by corroborating your inability to work. Third-party statements should describe:

  • Specific examples of how your condition limits you.
  • Changes they’ve observed in your physical or mental capabilities.
  • Challenges you face in tasks previously handled with ease.

Vocational expert opinions can also be pivotal. These experts assess your transferable skills and functional capacity, providing a professional perspective on why you cannot perform your prior work.

Practical Tips for Gathering and Organizing Evidence

To maximize the effectiveness of your claim:

  • Be Thorough – Gather all relevant medical reports and ensure they are consistent with your disability claim.
  • Request Clarifications – If your physician’s notes are vague or incomplete, ask them to provide more detailed explanations.
  • Keep Records Updated – Submit the most recent evidence as conditions and limitations can evolve over time.
  • Get Organized – Create a comprehensive file with all your documents categorized (e.g., medical, personal statements, testimonials).
  • Work with an Experienced Attorney – Professionals like the team at Bartolic Law can identify weak points in your evidence, help fill gaps, and counter insurer tactics.

Common Pitfalls to Avoid

  1. Relying Solely on Your Diagnosis – Insurers often argue that a diagnosis alone doesn’t prove disability. Ensure your evidence ties your condition to your occupational limitations.
  2. Ignoring Policy Details – ERISA disability claims often involve specific language about what constitutes being “disabled.” Failing to align your evidence with these criteria can lead to denial.
  3. Missing Deadlines – Under ERISA regulations, you have 180 days to appeal a denial. Late submissions or incomplete documentation jeopardize your case.

How Bartolic Law Supports Your Journey

At Bartolic Law, we understand the challenges you face when your disability benefits are denied. Our Chicago-based ERISA attorney crafts innovative strategies that turn denials into approvals. From gathering compelling evidence to engaging top vocational experts, we go the extra mile to maximize the chances of a successful outcome.

If your claim has been denied, don’t leave your future to chance. Contact Bartolic Law today for the skilled, compassionate advocacy you need to secure the benefits you’ve earned.

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