Filing Your Claim with Help from a Disability Lawyer
Many people make mistakes when submitting their disability claim, taking for granted the disability insurance company will act honestly and fairly. Disability claims can be difficult and time-consuming. Insurance companies frequently request forms be completed by you, your employer, and your doctors.
Some of the information requested by disability insurance companies may include:
- An independent medical examination (IME)
- A functional capacity evaluation (FCE)
- An in-person interview of you
- Medical records
- Financial information
- Authorizations to obtain information about you
It is important to know what documents you are required to provide and those that the disability insurance company are not entitled to get. It is also important to properly complete and timely submit the forms insurance companies are allowed to receive.
Significant medical conditions and supporting Attending Physician Statements (APS) from doctors may not be not enough to prove disability when submitting a claim. The disability insurance company’s hired doctors may contact your physicians directly, often in an attempt to convince him or her that you are not disabled or able to return to work. Sometimes the insurance company will conduct surveillance video in an attempt to find inconsistencies in your reported abilities.
It is important to know your rights under the law as well as your disability policy. An experienced long term disability lawyer will protect your rights and properly handle your disability claim. Dabdoub Law Firm, Disability Insurance & ERISA Attorneys, handle disability claims for applicants nationwide.
Managing Your Claim
Once approved, not always approved. Disability insurance companies will continue reviewing your claim for even after it is approved. It is not uncommon for a disability insurance company to terminate disability benefits after 12, 24, or 36 months when the definition of disability changes. Under most disability policies, you must first be disabled from your own occupation and then from any occupation thereafter.
To ensure that you receive the maximum disability benefits under your disability insurance policy, you should speak with a long term disability attorney. At Dabdoub Law Firm, our disability attorneys know each insurance company’s review processes and tactics. Experienced with filing initial claims and monitoring paid claims, we can help ensure your disability benefits are not terminated.
Call (800) 969-0488 today for a free initial case evaluation with a disability lawyer.