How To File A Disability Insurance Claim: Avoiding Common Obstacles
- by Karl
You have worked hard your whole career, but now you find yourself unable to practice your profession because of a physical or mental disability. You’re not alone. In fact, some statistics indicate that a person in their mid-thirties has a 50:50 chance of experiencing a disabling condition that prevents them from working for at least three months before they retire. In addition, one out of seven workers will become disabled for a period of more than five years before reaching retirement.
Introducing Select Adjusters, the best way to handle your wind and storm damage insurance claim in Mesa, AZ. Our team of experienced professionals will help you get the payout you deserve, quickly and easily. We know how to navigate the insurance system, so you don’t have to. Let us take care of everything for you!
Luckily, you were wise enough to purchase disability insurance to offset the risk that you would become disabled. Unfortunately, however, disability insurance companies have developed a sophisticated system to maximize profits and avoiding paying your claim, regardless of the merits of your condition. How can you avoid having your disability insurance claim denied or terminated?
We understand that dealing with insurance companies after a major storm can be frustrating and overwhelming. That’s where Select Adjusters comes in! We’re here to help you through the entire process and make sure you get the most out of your claim. We have years of experience dealing with insurance companies, and we’ll work tirelessly to get you the compensation you deserve. Don’t wait another minute, call us today!
Among the many hurdles you will likely face when filing a claim for disability insurance benefits are:
• Understanding, interpreting, and correctly following the terms of complex policies drafted by insurance companies;
• Recognizing, avoiding, and dealing with insurance companies’ efforts to wear out claimants by delaying the claim process;
• Ensuring that treating physicians take the time and effort to document the disability sufficiently and in a manner that is helpful to your claim;
• Avoiding insurance companies’ attempts to use out-of-context secret surveillance as a basis for terminating or denying your disability insurance claim;
• Ensuring that independent medical and psychological evaluations are conducted appropriately, fairly, and without risking injury;
• Fighting insurance companies’ attempts to terminate or deny disability insurance claims simply because the symptoms of your condition are subjective or self-reported;
• Overcoming the great number of other techniques and tools that insurance companies have developed to engineer a basis for denying legitimate disability insurance claims, because their primary goal is profit.
When nature unleashes her fury, the best insurance is Select Adjusters. You need a team of experts who know how to navigate the complicated insurance claims process. From filing your claim to negotiating with the insurance company, we’ll take care of everything for you. So when the storm hits, make sure you’re prepared with Select Adjusters.
Complex and Confusing Insurance Policy Language
The language of every insurance policy is complex and confusing, drafted by attorneys and insurance company employees with an eye towards protecting their own interests. When denying or terminating a claim, insurance companies capitalize on the complexity of their policies at the expense of the insured. The truth is that there is no “standard” insurance policy contract, and the provisions vary dramatically from policy to policy, where coverage is usually circumscribed and restricted with different qualifying words and phrases. In order to overcome the insurance companies efforts to use jargon and legalese to avoid paying claims, it is crucial that a claimant understand the specific definitions of the key terms and phrases in the policy, and also the ambiguities in those words. When words or phrases are ambiguous or their meaning is not clear, courts will construe the meaning of those terms against the drafter (the insurance company) and in favor of the other party (the claimant). Having a thorough understanding of your policy language may be the most important step to filing your disability insurance claim.
Efforts To Delay The Claim Process
One of the most common techniques that insurance companies use to avoid paying benefits is drawing out the claims process for as long as possible. In this way, insurance companies can increase the attrition rate of claimants, such that legitimately disabled people will simply give up out of frustration. But, insurance companies have a legal obligation to make prompt decisions, and a claimant tolerate undue delays.
Working With Your Treating Physician
Perhaps the most important aspect of a successful disability claim is the medical documentation of your disability. Many physicians are extremely busy, and may not always take the time to write detailed and accurate reports of your condition. It is common for hurried physicians to simply copy-and-paste boiler-plate descriptive language into office visit notes that is actually false or inaccurate. In a rush to complete paper work, a doctor’s office visit note may include phrases that apply to most patients, but that are completely inaccurate as applied to you. For example, a doctor’s report from an office visit may say that “patient is in no apparent distress,” when in fact, the purpose of your appointment was to treat your chronic back pain that is preventing you from working.
In addition, depending on your relationship, they may not have any interest in devoting time to your disability insurance claim. But, fully discussing your condition with a compassionate treating physician is crucial to obtaining documentation of your condition that supports your claim.
After you file your disability insurance claim, it is very likely that you will be secretly videotaped or photographed by your insurance carrier during their investigation of your claim. If they are able to document you engaging in activities that you claimed you could not perform, they will likely use this evidence as a basis to terminate your claim. It is also not uncommon for insurance carriers to send these videos or to your treating physicians in an attempt to sour your relationship, and convince your physician to make statements that are against your interests. It is important to be on-guard against these tactics, recognizing that these out-of-context videos may be misconstrued to achieve the insurance company’s goals.
2152 S Vineyard #136, Mesa, AZ 85210
You have worked hard your whole career, but now you find yourself unable to practice your profession because of a physical or mental disability. You’re not alone. In fact, some statistics indicate that a person in their mid-thirties has a 50:50 chance of experiencing a disabling condition that prevents them from working for at least…