How to Apply for State Disability
The fact that you are injured or sick creates a feeling of fear and panic that you will lose your home, car or your good credit record. Disability coverage is a benefit on most people’s paychecks that is often overlooked, but can be used to support individuals and their families.
- Check to see that you have coverage on your paycheck, by paying the necessary premium.
- Visit your doctor for an exam to get a diagnosis, a treatment plan and estimate for how long you will be off work, unable to do your job.
- Disabilities can be for pregnancy, injuries from car accidents, medical surgeries for example.
- Contact your state disability office for the procedure of applying. Most states have online applications to speed up the process.
- Complete an application for the benefits.
- Make sure you have all addresses and work phone numbers of all doctors.
- Make sure you have your social security number, full address and phone number.
- Have your bank account number and routing number information. Some states pay by check, some by direct deposit, you want your money as fast as possible.
- Make a copy of all off work orders, if needed. You may have to fax or scan a copy to the disability insurance claims rep.
- Forward the authorization to obtain medical records for processing the claim. If you do not have the off work order, by federal law you have to give them the right to obtain your information.
- Go to all medical appointments, therapy appointments and surgeries as prescribed by the doctor. Failure to abide by the doctors orders can delay your claim.
- Sit back and collect your money.