During the process

Managing the process with the insurer

Filing is not the end of the work. Most of what happens next is requests, assessments and deadlines — and most of what goes wrong there is avoidable.

What happens after filing

The process is rarely linear. Stages repeat when information is missing, and a request for further documents can arrive months in.

Keeping a simple log of dates, what was sent and what came back is the single most useful habit during this period.

  • Confirming the file was received and correctly attached to the claim
  • Responding to requests for further documents within the deadline
  • Preparing for a functional assessment, usually carried out at home
  • Reading the decision in full: what was recognised, from when, and for how long

Preparing for the assessment

This is usually the stage that decides the outcome, and preparation is not about rehearsing answers. It is about having the facts ready.

The common failure is the opposite of what people expect: an older person makes an effort to appear independent out of pride or embarrassment, and what gets recorded does not reflect an ordinary day.

Having someone present who knows the daily routine, and being ready to answer questions about frequency in numbers rather than "sometimes", changes what is written down.

Frequently asked questions

How long does a claim take?

There is no fixed period. It depends on how complete the file is, whether further documents or an assessment are needed, and the insurer's own procedures.

Who carries out the functional assessment?

A professional on behalf of the insurer — often a nurse or occupational therapist. The arrangements are set by the insurer's procedures.

What if the assessment happened on an unusually good day?

Say so explicitly at the time and describe what other days look like, including how often. Up-to-date medical documentation can support that.

This page is an English translation of our Hebrew content, written for English speakers living in Israel. Official Israeli terms appear with their Hebrew names so you can recognise them on forms. In any discrepancy, the Hebrew version and the official documents prevail.

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