Can I Get LTD for a Traumatic Brain Injury?

long term disability insurance paperwork

A traumatic brain injury can have a significant impact on your ability to work. This can be concerning for people who worry that they won’t be able to support their family or pay their bills if their earning potential drops as a result of their injury.

Luckily, you have options in this situation. You can choose to file a claim for long-term disability (LTD), a program in which your insurance company replaces lost income after an accident or injury that prevents you from working. If you’re planning on pursuing LTD for a traumatic brain injury, you may need the guidance of an experienced long-term disability lawyer in Philadelphia.

How to Get LTD for a Traumatic Brain Injury

Here are some of the things you’ll need to do in order to be approved for long-term disability:

Show Documented Proof

Brain injuries can be more complex than other serious injuries, so make sure you have plenty of documentation proving that your injury has rendered you unable to work. This may include diagnostic scans, reports from specialists, and records of any time spent in physical/occupational therapy.

A Full Report of Your Disability

Often, the insurance company will want to read a detailed description of your disabling injuries, usually compiled at least in part by your doctor. This is a document that explains the medical interpretation of all physical and mental after-effects, their severity, and the likelihood and range of future improvement.

Proof That You’re Receiving Treatment

Some claims may be rejected if it seems like you’re not making an effort to get back into working condition. Since your claim will be paid out over time, insurance companies want to make sure that you’re working on keeping that time as short as it can be.

Get Help from an Experienced Attorney

One of the factors that complicates an LTD claim, especially for a traumatic brain injury, is that even after dealing with paperwork and a stringent process of getting your claim approved, you’ll need to show proof over time that you still need the support. This is where an experienced lawyer can help.

If you’re looking for the help you need after a serious accident, don’t try to navigate a complex LTD claim on your own. Contact Rosen Moss Snyder LLP and speak with our team of long-term disability claim lawyers in Philadelphia, PA. We will make sure you get the help you need.

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