If you are receiving long term disability insurance benefits, you are likely having to complete claim forms every month in order to keep receiving your payments. Many people ask whether they need to continue completing this tedious paperwork even if the claim is approved.
In short, the insurance company can request these documents as often as is reasonably necessary to evaluate your disability claim and your entitlement to payments. This can be as often as every month.
A disability insurance policy is like a monthly indemnity benefit. Under the disability insurance contract, the claimant has the burden of proving continued impairment on a monthly basis. This proof of continued disability is required before the insurance company is obligated to make a payment. Part of proving continued disability may be having to complete insurance claim forms on a monthly basis.
Not only can the insurance company request monthly claim forms from you, but they can also request forms from your doctors on a monthly basis. These documents are typically known as Attending Physician Statements. This can get tricky because doctors may get frustrated with the insurance company and the entire disability process when being asked every month to complete the same document certifying their patient’s disability. Our attorneys have seen this happen.
Disability insurance companies often use the requirement of monthly claim forms and attending physician statements as a tactic to deny or terminate a claim when these documents are not being provided on a timely basis. Our disability insurance attorneys are familiar with these tactics and know-how to push back and fight for you.
Disability Insurance Companies Have Lawyers. Shouldn’t You?
Because this law firm was created to focus on disability insurance, we have developed an expertise in this complex area of the law.
Our expertise in long-term disability claims means our clients have the backing of a law firm that has:
1. Attorneys who are experts in disability claims;
2. Fought all major disability insurance companies and know their tactics;
3. A track record of success;
4. Won major disability lawsuits that created good law; and
5. Recovered millions of dollars in disability benefits.
All our lawyers commit every day of their legal career to helping people get disability benefits from UNUM, MetLife, Prudential, Northwestern Mutual, Hartford, CIGNA, and others.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help. We help clients nationwide.
Call to get experienced disability lawyers on your side with:
- Submitting a disability insurance claim;
- Appealing a short-term or long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
Call for a free consultation with a disability attorney.