Three Things To Remember After A Disability Insurance Claim

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Filing a disability insurance claim can be a complex process, and many policy owners make the mistake of returning to work too early or not filing the right paperwork to receive a payout. There are a few things to keep in mind after filing a claim and receiving payouts which can help to keep a policy's value high and to reduce the premiums in future disability insurance quotes.
The first thing to remember is that there's a right and a wrong way to return to work. If a worker has filed a successful disability insurance claim, the chances of a future claim are fairly high, so it's very important to follow physician advice and to go through all of the necessary steps to return to work properly. A physician should feel comfortable issuing a return to work release, which is a special document that contains information about the disability, necessary treatment, and what the worker's employer will need to do. Returning to work without this type of release could jeopardize future insurance claims and significantly raise the cost of future disability insurance quotes. Likewise, if it's not time to return to work yet, an employee ...
... should make sure to have a physician's note to that effect and should be careful to follow his insurance company's requirements to keep receiving payouts.
It's also important to realize that employers are required to accommodate a disability or limitations related to a worker's recovery. The physician's return to work release will fully detail exactly what the employer needs to do, and the worker shouldn't be required to do anything that could potentially make his or her condition worse. Different states have different laws and regulations to accompany federal disability laws, so workers should familiarize themselves with their legal rights before returning to work. This helps to protect both the employee and the employer and reduces the chance of a future disability insurance claim. A disability insurance agent can be helpful in learning about worker's rights and ensuring a quick recovery.
Disability insurance quotes can rise after a claim, so it may be beneficial to look at a few quotes after a claim. This can keep the cost of insurance down. Shopping around doesn't always mean buying a new policy, but after making a disability insurance claim, it's more important than ever to know what a policy's premiums should be. Looking at quotes is a good final step to take after making a claim and returning to work, and can mean better coverage and lower long-term costs for any disability insurance buyer.
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