You have worked hard all the time, but at this time you cannot practice the profession, because of physical or mental disabilities. You are not alone, some statistics show that someone in their mid-30s has 50:50 to experience a deactivation condition that prevents them from working at least 3 months before they retire. In addition, one in seven workers will be disabled for a period of more than five years before reaching retirement
Fortunately, you are wise enough to buy a UNUM Disability claim attorney to offset your risk of being disabled. Unfortunately, however, the disability insurance company has developed a sophisticated system to maximize profits and avoid paying your claims, regardless of the benefits of your condition. How can you avoid having your disability insurance claim denied or terminated?
How to Make a Disability Insurance Claim
Among the many obstacles you might face when making a claim for disability insurance benefits are:
- Understand, interpret, and correctly follow the provisions of complex policies prepared by insurance companies;
- Recognizing, avoiding, and dealing with the efforts of insurance companies to use complainants by delaying the claim process;
- Ensure that the treating doctor spends time and effort to document disability adequately and in a way that helps your claim;
- Avoiding insurance company efforts to use confidential surveillance out of context as a basis for ending or rejecting your disability insurance claim;
- Ensuring that independent medical and psychological evaluations are carried out appropriately, fairly and without the risk of injury;
- Fighting insurance company efforts to stop or reject a disability insurance claim just because the symptoms of your condition are subjective or self-reported;
- Overcome a large number of techniques and other tools that have been developed by insurance companies to design a basis for rejecting legitimate disability insurance claims, because their main purpose is profit.
The Complex and Confusing Language of Insurance Policies
The language of each insurance policy is complex and confusing, designed by lawyers and employees of insurance companies with the aim of protecting their own interests. When rejecting or terminating a claim, insurance companies make use of the complexity of their policies at the expense of the insured. The truth is that there is no “standard” insurance policy contract, and the terms vary dramatically from policy to policy, where coverage is usually limited and limited by different qualifying words and phrases. To overcome the insurance company’s efforts to use jargon and legal to avoid paying claims, it is very important that the plaintiff understands the specific definitions of key terms and phrases in the policy, as well as the ambiguity in these words. When ambiguous words or phrases or meaning are unclear, the court will interpret the meaning of these terms to the drafter (insurance company) and support the other party (the plaintiff). Having a thorough understanding of the language of the policy, is perhaps the most important step for filing your disability insurance claim
Claim Delay Efforts
One of the most common techniques that insurance companies use to avoid payment is to withdraw the claim process as long as possible. In this way, the insurance company can increase the plaintiff’s desperation rate, so that people who are legally handicapped will only give up from frustration. But, insurance companies have a legal obligation to make quick decisions, and prosecutors tolerate undue delays.
Work with a Doctor who Treats You
Perhaps the most important aspect of a successful disability claim is your medical disability documentation. Many doctors are very busy, and may not always take the time to write detailed and accurate reports about your situation. It is common for doctors who are in a hurry to just copy and paste the descriptive-plate language into records of office visits that are actually wrong or inaccurate. In the rush to complete paperwork, the doctor’s office visit record can include phrases that apply to most patients, but they are really not as accurate as those applied to you. For example, a doctor’s report from a visit to the office might say that “the patient is not in real trouble” when in fact, the purpose of your appointment is to treat your chronic back pain that is preventing you from working.
In addition, depending on your relationship, they may not have an interest in devoting time to your disability insurance claim, however, fully discussing your condition with a caring doctor is very important to obtain documentation of your condition that supports your claim.