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.Â
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.
To build a compelling case, focus on these key categories of evidence:
Medical records form the backbone of any long-term disability claim. These documents provide objective evidence of your condition, including:
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.
Your own narrative can provide valuable insight into how your condition impacts your day-to-day life. A well-written personal statement should include:
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.
Testimonies from colleagues, supervisors, family members, or friends can support your claim by corroborating your inability to work. Third-party statements should describe:
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.
To maximize the effectiveness of your claim:
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.