HomeNewsWhat Questions May Be Asked in a Long-Term Disability Interview?

What Questions May Be Asked in a Long-Term Disability Interview?

Employer-provided long-term disability benefits can help make up for lost income in the event accidental injuries, major illnesses, or chronic health conditions prevent you from working for a year or longer. One of the first steps in getting a disability claim approved is undergoing an insurance interview. 

At Bartolic Law, we have extensive experience representing clients in these cases and protecting your rights when dealing with insurance companies. Our Chicago long-term disability attorney explains the interview process, common questions insurers ask, and how your answers could result in a denied claim.   

What Happens During a Long-Term Disability Claim Interview?

According to the Centers for Disease Control and Prevention (CDC), one out of every four adults in the United States suffers from a long-term disability. When it prevents you from working for a year or longer, you may be entitled to long-term disability insurance benefits through your employer. 

Once you file a claim through your employer or benefits administrator, you will then be dealing with the insurance company. They will want to conduct either an in-person or phone interview. Generally, this lasts anywhere from 30 minutes to one hour. Your answers to questions asked during the interview will be used in either denying or approving your benefits claim. 

Common Questions In Long-Term Disability Insurance Interviews

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that governs the administration of employer-provided benefits. It dictates processes for approving or denying long-term disability claims and how to file appeals. However, insurers still have a lot of leeway in making decisions. 

In addition to the documents you have submitted, your answers to questions asked by insurers during disability interviews provide useful information in processing claims. The following details some of the most common questions asked and how your answers could be used against you:  

  • What are your symptoms? Make sure your answer matches the symptoms listed in your medical records. 
  • What are your current daily activities? Explain how your long-term disabilities prevent you from performing household tasks. 
  • What are your current hobbies and activities? Certain sports or recreational activities could cast doubt on your disabled status, while specialized skills, such as woodworking, could be used on the job. 
  • Have you traveled recently, or do you currently have travel plans? Even a laid-back vacation could cast doubt on your disabled status. 
  • What are your plans for returning to work? Emphasize your willingness to work but also how your long-term disabilities make future planning difficult. 

Our Chicago Long-Term Disability Attorney is Here to Help

At Bartolic Law, we are here to help people with long-term disabilities get the benefits they deserve. From answering your questions on common insurance company practices to disputing denied claims, we provide the trusted legal guidance you need. To request a consultation with our Chicago long-term disability attorney, call or contact our office online today. 

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