This guide was written in response to the many issues that have been identified by the Patient Advocate Foundation, as they have assisted patients who were faced with disabilities and subsequent access difficulties. Many of those patients would have benefited from the information contained in a comprehensive guide to navigating the overwhelming process of filing for Disability benefits. Whether you are filing a claim through an insurance policy or through the Social Security Administration, the process is rife with red tape and confusion. PAF feels that the more information you have, the more capable you will be to make decisions that can ultimately impact your long-term insurability and financial stability. It is our hope that Your Guide to the Disability Process will provide you with the necessary tools to anticipate the steps you need to take to make your disability claim problem free.
There are five chapters in Your Guide to the Disability Process:
Chapter 1 - Short Term and Long Term Disability
This chapter describes the differences between Short Term and Long Term policies and how to understand how they work and what you need to do to maximize your benefits.
Chapter 2 - Social Security Disability
this chapter describes the Social Security Disability process and the difference between the programs offered by Social Security. Tips on filing and what you need to do are included.
Chapter 3 - Health Insurance Issues Before and After Medicare
this chapter explains Medicare and Medicaid eligibility issues disabled patients often have. It also contains guidance for disabled patients enrolled in group health insurance programs.
Chapter 4 - Appeals Process
This chapter addresses the process through which you can file an appeal should your claim be denied.
Chapter 5 - Financial Resources
This chapter lists resources that can assist disabled patients with health care alternatives and financial assistance.