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Tips on applying for long-term disability

Discussion in 'Finances, Work, and Disability' started by Ilan, Dec 4, 2015.

  1. Ilan

    Ilan

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    I'm applying for long-term disability with my insurance company next week (I have CFS). Can anyone supply some tips of dos and don'ts? Much appreciated.

    I
     
  2. Denise

    Denise Senior Member

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    Which country are you in?

    You can search the forum for long-term disability - there's lots of information here.
     
  3. Ilan

    Ilan

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    I'm in Canada. I've gotten lots of good information from this site and others. Hoping from some firsthand accounts of what worked and what didn't.
     
  4. minkeygirl

    minkeygirl But I Look So Good.

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    Left Coast
    Read Linda Nee's blogs. I think they are posted here. link below.

    She's in the US but her info helped me immensely. Not kidding. And I think it's more about what company vs what country you are in

    They all have the same bottom line. Make money. And to do that they deny claims. And thet have a special hatred for CFS. I don't want to scare you but be scared. This is no joke. Read as much if her stuff that you can.

    I will tell you this. It's about what you cannot do, not what you can do. The more you tell them what you can do, thinking that will help, it's just one more thing they Will use to deny you. They want to deny you.

    I never talked to them on the phone. I faxed them and politely said I'm happy to answer your questions. Please send them in writing. Don't go on their website.

    https://lindanee.wordpress.com/
     
    Last edited: Dec 4, 2015
    AndyPandy, Valentijn and searcher like this.
  5. minkeygirl

    minkeygirl But I Look So Good.

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    @if you want more info ask. I've learned a lot over 20 yrs. I don't want to bombard you.

    They are not your friends.
     
  6. Ilan

    Ilan

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    Amazing information, thanks so much. I'm not applying right away but I may pick your brain with more specific questions in the future. Thanks again. I
     

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