• Guardian Disability Benefit Claim Handling Tips

Guardian Disability Benefit Claim Handling Tips

When you finally receive a letter from Guardian Disability informing you that your claim for long term disability benefits has been approved, it can be easy to assume it’s smooth sailing from here on out. Unfortunately, approval isn’t the end of the story – and if the claimant doesn’t maintain the medical records and other evidence to support their continued receipt of long term disability benefits, Guardian may terminate them. This article will discuss some tips on managing your Guardian Disability claim after you’ve been approved.

Why Doesn’t a Guardian Disability Approval Last Forever?

Most Guardian Disability long term disability claims are initially approved under a definition of disability that can evolve over time. When benefits are approved, they may be approved under an “own occupation” standard – that is, the claimant can receive disability benefits if their condition prevents them from performing their job.

But after a certain period of time, usually detailed in the policy, this shifts to an “any occupation” standard. To continue to receive disability benefits, the claimant must show they are unable to perform any job, which can be a tougher standard to meet. This is why it’s important to anticipate and prepare for this shift in policy coverage so that you can continue to receive benefits if you’re still unable to return to work.

Surgeons Are Not the Best Medical Specialist to Support Your Guardian Claim Long Term

Many clients are receiving long term disability benefits as a result of a surgery (or a condition that has required at least one surgery), so it can make sense to have one’s surgeon fill out the initial disability claim forms. However, in most cases, surgeons aren’t the best long term option when it comes to the medical support of your Guardian Disability long term disability benefits.

Not only are surgeons among the busiest of medical professionals, but many see it as a blow to their own self-perception if a patient continues to seek their signature to obtain long term disability benefits – after all, a surgeon’s main motivation is to improve the patient’s condition, not admit the patient is too disabled to work. Instead, claimants may opt to see a specialist or to return to the doctor who referred them to the surgeon in the first place.

How Often Should a Guardian Claimant Seek Medical Treatment?

Your physician should document any changes in your condition, whether improvement or deterioration. It’s important to ensure your records remain accurate and any mistakes are quickly caught and corrected. At Dell & Schaefer, a big part of our jobs involves educating clients on what their medical records will need to show and what to tell their doctors to ensure they document the disability appropriately. This can ensure there’s enough evidence in the medical record to satisfy Guardian that long term disability benefits are still appropriate.

Be Very Cautious if You Have Any Social Media Profiles as Guardian Will View Them

Even after your claim for long term disability benefits has been approved, Guardian Disability will continue to monitor you. Because video surveillance is time-consuming, expensive, and often requires travel, claim investigators instead focus on claimants’ social media profiles where available. A post about a claimant successfully completing a 5K race or a photo of the claimant performing an activity they’ve claimed they are unable to do can be enough to terminate the claimant’s receipt of benefits.

If your Guardian Disability long term disability claim has been approved, it’s important not to become complacent. The disability insurance attorneys at Dell & Schaefer have helped thousands of claimants secure their disability benefits through Guardian Disability, and we can help you too. Get in touch today to set up your FREE consultation with one of our experienced attorneys.

Leave a comment or ask us a question

Questions About Hiring Us

Do you help Guardian claimants nationwide?

We represent Guardian clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Guardian disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Guardian. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Guardian.

How do you help Guardian claimants?

Our lawyers help individuals that have either purchased a Guardian long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Guardian:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

RA client

Being disabled is difficult on many levels so the importance – and peace of mind – that comes with having advocates and advisers who not only provide legal expertise and assistance but also genuine care and support is quite literally invaluable. Having attorney Rachel Alters and her paralegal Anneli DeCardenas to help deal with complicated insurance issues has been a true blessing that has made this unfortunate period of my life so, so much easier.

They are not only experienced, talented and incredibly responsive professionals but they have always made me feel like a person who matters and not just a client to be dealt with as part of a daily to-do check list. I’m not someone who usually provides references but I really can’t say enough to express just how wonderful these two incredible women are or how grateful I am that they are on my side.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us