How can I get long term disability payments from AETNA?

Long term disability payments are designed to replace your income if you are no longer able to work. Long term disability benefits may be available from the social security administration, or SSA, if your disability is covered. You may also be able to obtain long term disability benefits from a private insurer if you purchased a disability policy, or if your employer purchased one for you.

If you have become disabled and you have a long term disability insurance policy through Aetna insurance, the first thing you should do is to get a copy of your policy. Your policy should specify exactly what disabilities are covered and what benefits you are entitled to. It should also explain the process of filing a claim.

Once you have read your policy, you can begin the claims process. You can do so by filing out the required forms. You may also be able to speak to your insurance agent or an AETNA representative for help fling out the forms. Generally, the requirements will include:

• Proving that you are actually disabled by providing medical records, and evidence of medical tests, treatments and other details about your disability and care
• Proving that your disability actually makes it impossible for you to work and qualifies you for benefits. A statement to that affect by your doctor may be required

When AETNA is reviewing your claim, they may ask for additional information as well. It is generally in your best interests to cooperate so that you can expedite your benefits. However, you should also remember that they are not necessarily on your side, since their concern is saving the company money. As such, you should strongly consider being represented by a lawyer when trying to get disability benefits from AETNA.