The short answer is, no. You cannot and should not file your disability insurance claim late.
We would never recommend a client sit on their disability claim. It is best to get the claim filed as soon as possible, or as soon as you know you are going to need it.
Almost all disability insurance policies have a time frame under which you have to file your claim. That time frame could be 30 days or 90 days or maybe even one year. Whatever the time frame, it is a contractual time frame that you must follow. Failing to file your claim on time could prevent you from pursuing the benefits entirely.
You should start by notifying your employer and/or your disability insurance company that you need to file a claim. Once they receive that notification, you should receive claim forms and a letter from the insurance company confirming your claim has been opened.
If you have a late claim, it is particularly important to make sure you have all your medical records. You will need everything from when you became disabled through the present. Without the medical records it will be very difficult to obtain your benefits.
If you are in a position where you need to file your LTD claim late, it helps to have an experienced disability insurance lawyer help you. There are arguments that can be made depending on your situation. Our experienced disability insurance attorneys have successfully obtained benefits through late claims.
Lawyers with Expertise in Disability Insurance Claims
This law firm has always focused only on disability insurance law.
Because we specialize in long term disability, our clients get the benefit of:
Having an attorney who is an expert in long term disability claims;
Having an attorney who has experience with every major disability insurance company;
Being backed by a law firm that has a proven track record of winning tough disability lawsuits.
Call Dabdoub Law Firm to get experienced disability lawyers on your side.
We can help 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 Dabdoub Law Firm today at (800) 969-0488 for a free consultation with an experienced disability attorney. Pay no fees or costs unless you get paid.