How do I get a Copy of my Disability Insurance Policy?
Employer Provided Disability Insurance
If you are insured through your employer, here’s a few things you should know about getting your insurance policy:
- Your employer is required to maintain a copy of the disability insurance policy;
- Your request for the policy must be in writing;
- Your employer must provide the disability policy within 30 days;
- You might also be able to obtain a copy from the insurance company, but the law specifically obligates your employer give it to you.
Individual Policy
If you have an individual disability insurance policy, you should be given a copy when you took out the policy. You can always request a copy from the insurance company or the agent who sold it to you.
It Is Important to Get A Copy of your Disability Policy
One of the first things we do when we have a new client is obtain a copy of the policy. It tells us everything we need to know about their claim. Many policies have similar language, but many have added provisions that could affect your claim.
The policy will outline everything you need to know about your disability claim, including:
- How to file your claim;
- What is needed to prove your disabled;
- The definition of disability;
- Any limitations that would limit the amount of benefits you are entitled to; and
- Other income benefits that could reduce your monthly disability benefits
Our Disability Attorneys Can Help You
Dabdoub Law Firm was built to be a disability insurance law firm. Because all our disability lawyers focus on disability insurance claims, the firm has significant experience with every major disability insurance company and has won important disability lawsuits.
The firm can help at any stage of your long-term disability claim, including:
- submitting a disability insurance claim;
- appealing a long-term disability denial; or
- filing a lawsuit against your disability insurance company.
Hiring an experienced disability attorney is important. Because federal law applies to most disability insurance claims, our lawyers do not have to be located in your state.
Call for a free consultation with an experienced disability attorney.