If you’re unable to work because of long COVID symptoms, you may be eligible for short-term disability (STD) or long-term disability (LTD) insurance benefits. Filing a disability claim can be complex and time-consuming, but being prepared and informed can increase your chances of getting approved.
Step 1: Understand Your Disability Insurance Policy
Start by carefully reviewing your disability insurance policy. This document outlines what benefits are available and what’s required to qualify. You can request a copy from your employer’s human resources department—this is often called the “Summary of Benefits and Coverage” (SBC). If you need help getting it, you can also contact the Employee Benefits Security Administration (EBSA).
Key parts of your policy to review include:
- Definition of Disability: Understand how your policy defines disability and whether long COVID meets that definition.
- Exclusions and Limitations: Know what conditions may be excluded or have limited coverage.
- Appeals Process: Learn how many times you can appeal a denied claim and how to file those appeals.
Understanding these terms is essential. You’ll need to meet all requirements listed in the policy to be eligible for disability benefits.
Step 2: Gather the Right Medical and Work Documentation
To support your claim, you’ll need detailed documentation. This should include:
- Medical Records: Include test results, treatment history, and progress notes from your healthcare providers.
- Doctor’s Statement: Ask your doctor to write a detailed explanation of your diagnosis, symptoms, and how long COVID prevents you from working.
- Job Description and Work History: Describe your job duties, any workplace accommodations, and how your condition affects your ability to do your job.
Keeping a daily symptom journal can also help your case. Write down your symptoms, their severity, and how they impact your day-to-day life. This record shows that your condition is ongoing and affects your ability to work consistently.
Step 3: File Your Disability Insurance Claim
Once your documents are ready, complete the claim forms provided by your insurance provider. Submit everything at once and keep copies of all your submissions. Be as detailed as possible.
If your claim is denied, don’t panic. Many long COVID disability claims are denied at first. You have the right to appeal the decision. Read your policy carefully to understand the appeal deadlines and requirements.
Step 4: Get Legal Help if You Need It
Filing a disability claim for long COVID can be frustrating and confusing, especially when you’re not feeling your best. If you’re unsure how to begin or your claim has been denied, you don’t have to face it alone.
Pandemic Legal provides legal support to people dealing with the long-term effects of COVID-19. Whether you need help starting a claim, appealing a denial, or just understanding your rights under disability insurance, we’re here to support you every step of the way.