How to Maximize Your Chances of Claiming Long Term Disability Insurance Benefits
Insurance companies tend to be very strict when processing claims for long term disability insurance benefits. Most insurance companies are not in favor of paying out long term disability benefits, since this tends to lower company profits. As a result, the insurance companies do their best to try and reject disability claims, often on the slightest of pretexts.
Consequently, even people with valid long term disability insurance claims find themselves waiting for months for their claims to be processed. Others find that their claims are rejected altogether. It is important to realize that your claim need not be invalid just because your insurance company rejects your initial application.
Consult a personal injury attorney specializing in disability benefits or a car accident attorney new york, if the disability was the result of an auto accident, to ensure a successful resolution to your claim.
Here are some tips to help you successfully claim your long term disability insurance benefits.
Filing a Claim for Disability Benefits
Notify the insurance company of the existence of your claim as soon as possible. Most insurance companies require clients to file a ‘Notice of Claim’, sometimes in as short a time as within 20 days of the occurrence. Follow up by presenting a detailed ‘proof of loss’ within 60 to 90 days.
Be clear and to the point when filing your insurance claim. Take the time to go over the insurance document with your attorney so that you understand all the terms and conditions. One of the most critical factors to look for is the actual definition of disability or disabilities given in the insurance documents.
Show these descriptions to a trustworthy physician. They will be able to describe your injuries in detail so that there is objective and accurate support for your claims, as per the classifications in the insurance documents.
Avoid giving excess information when filing the claim. The companies often use these extra details to formulate reasons to deny the claims. For instance, be accurate, truthful, and to the point when describing your work and how it has been affected by the disability.
The insurance company will appoint an insurance adjuster to investigate your claim. It is the adjuster’s job to gather evidence helpful to the insurer, so be cautious in what you share with them. Do not give any statement, oral or written, without consulting your lawyer. You could end up hurting your claim even when you just tell the truth about what happened.
In Case Your Claim Is Rejected
If you feel you have a valid claim, you can always contest the insurance ruling with the help of a disability insurance lawyer. Disability insurance attorneys are personal injury lawyers who specialize in short-term and long-term disability insurance claims.
Make sure you choose a certified personal injury lawyer with several years’ experience in disability insurance litigation.
Choose the right New York disability attorney to get your long term disability insurance benefits.
The Donofrio Law Firm, PLLC in New York, USA has been successfully contesting denials of long term disability insurance benefits for 20+ years. Also, you will find a car accident attorney New York with them.
Consequently, even people with valid long term disability insurance claims find themselves waiting for months for their claims to be processed. Others find that their claims are rejected altogether. It is important to realize that your claim need not be invalid just because your insurance company rejects your initial application.
Consult a personal injury attorney specializing in disability benefits or a car accident attorney new york, if the disability was the result of an auto accident, to ensure a successful resolution to your claim.
Here are some tips to help you successfully claim your long term disability insurance benefits.
Filing a Claim for Disability Benefits
Notify the insurance company of the existence of your claim as soon as possible. Most insurance companies require clients to file a ‘Notice of Claim’, sometimes in as short a time as within 20 days of the occurrence. Follow up by presenting a detailed ‘proof of loss’ within 60 to 90 days.
Be clear and to the point when filing your insurance claim. Take the time to go over the insurance document with your attorney so that you understand all the terms and conditions. One of the most critical factors to look for is the actual definition of disability or disabilities given in the insurance documents.
Show these descriptions to a trustworthy physician. They will be able to describe your injuries in detail so that there is objective and accurate support for your claims, as per the classifications in the insurance documents.
Avoid giving excess information when filing the claim. The companies often use these extra details to formulate reasons to deny the claims. For instance, be accurate, truthful, and to the point when describing your work and how it has been affected by the disability.
The insurance company will appoint an insurance adjuster to investigate your claim. It is the adjuster’s job to gather evidence helpful to the insurer, so be cautious in what you share with them. Do not give any statement, oral or written, without consulting your lawyer. You could end up hurting your claim even when you just tell the truth about what happened.
In Case Your Claim Is Rejected
If you feel you have a valid claim, you can always contest the insurance ruling with the help of a disability insurance lawyer. Disability insurance attorneys are personal injury lawyers who specialize in short-term and long-term disability insurance claims.
Make sure you choose a certified personal injury lawyer with several years’ experience in disability insurance litigation.
Choose the right New York disability attorney to get your long term disability insurance benefits.
The Donofrio Law Firm, PLLC in New York, USA has been successfully contesting denials of long term disability insurance benefits for 20+ years. Also, you will find a car accident attorney New York with them.
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