Tips For Filling Out Disability Insurance, ERISA, Social Security Disability and VA Disability Forms STAFF PICK

John Vincent Tucker

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Insurance Law Lawyer

Contributor Level 10

Posted almost 6 years ago. 48 helpful votes

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1

What kind of forms will I have to fill out?

During the initial application process and throughout the life of your claim, your insurance company, the Social Security Administration, and even the Veteran's Administration may require you to fill out various forms. One of the most common forms they will request from you is an Activities of Daily Living form. This type of form has various names, including things like "Claimant Statement," but the common elements are questions about what you can and can't do (i.e., your limitations). In general, remember that you are trying to give the person that is deciding your claim a complete picture of your condition. Do not limit your answers simply because there is not much space provided for them. Always be truthful and thorough and it will help build your case from the very beginning.

2

Be thorough in your responses.

Do not give one word answers. For example, if the forms asks, "Do you need help preparing meals?" Do not write simply write "yes." Tell them why you need help. For example: "It hurts to stand long enough to make a meal, so my wife usually prepares them for me."

3

Be specific.

Do not say, "I cannot sit for a long time." Instead, say something like, "When I sit for more than 20 minutes, my lower back starts to really hurt and I have to stand up and move around." Quantify your answers. "A long time" means different things to different people.

4

Use examples.

Give examples of ways your disability has limited your activities. For example, "I only take a shower if I know somebody else is home, because I am afraid I will lose consciousness and fall and no one will be there to help me," or "I went to the grocery store last week but could not finish my shopping because my legs started to hurt too much to continue."

5

Don't use general or absolute statements on forms.

Do not say something like, "I cannot sit for long." Instead say, "It usually hurts when I sit for more than 20 minutes." Insurance companies often get surveillance footage of people making claims. If an investigator gets footage of you driving for 30 minutes without interruption and they have your written statement saying that you cannot sit for more than 20 minutes, they will deny your claim because they think you are lying.

6

List all of your limitations.

Most forms do not include a section to list your limitations that are not physical. If you experience fatigue, difficulty concentrating, memory problems and/or irritability, etc., be sure to list those limitations.

7

You are not limited to the little box on the form!

Do not be afraid to attach additional paper if the space provided for your answers is not sufficient.

Additional Resources

Disability Benefits Blog with Weekly Tips

Information about Disability Insurance Claims

Information about ERISA Disability benefit claims

Information about Social Security Disability

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