Ameritas Life Insurance Disability Claims
Let Our Experienced Disability Lawyers Guide You Through
Making the decision to step away from work due to a medical condition is never easy. This is especially true when your disability insurance company refuses to pay you the benefits you deserve. Like other insurers, Ameritas Life Insurance has a history of denying valid claims and terminating benefits without a valid reason. When this happens, Dabdoub Law Firm can help. Our firm can also help you from the very start of the claims process, so you can maximize your chances of being approved right away.
If you need help with any step of a disability claim, simply call us at (800) 969-0488 today.
Understanding Your Ameritas Disability Policy
Disability benefits are designed to compensate you when you can no longer perform the duties of your regular occupation. Under most policies, these benefits can last for up to 24 months. At this point, you may need to prove that you are unable to perform the duties of any occupation.
When long-term disability (LTD) benefits are on the line, insurance companies like Ameritas conduct extensive reviews. You should be prepared to appeal a termination or denial and expect your insurance company to try and discredit your claim.
Insurance Company Tactics
Unfortunately, medical evidence and letters from your healthcare providers are not always enough to gain approval on a disability claim. If the insurance company’s doctors do not agree with your Attending Physician Statement or the restrictions and limitations your providers list, they may deny or terminate your benefits.
Sometimes, the insurance company tries to justify its decision by having you examined by a doctor it chooses. If you appeal a denial or termination, you can expect this examination, known as an Independent Medical Examination (IME) to occur. For chronic conditions, like back pain and fatigue, Ameritas may even ask for a Functional Capacity Evaluation (FCE).
If your insurance company is asking for this kind of evidence, it may be time to involve an attorney. Dabdoub Law Firm can explain your rights and help protect your claim. We will also prepare you for your appointments and any other tactics Ameritas may use. Video surveillance, for example, is a popular insurance tactic and one Ameritas is almost certainly using if they have requested an IME or FCE. Many insurers try to disprove your disability by watching you and looking for evidence that you are not disabled.
Our seasoned disability attorneys can help you prepare for any tactics the insurance company may throw at you.
Using ERISA Against Ameritas
Under the federal Employee Retirement Income Security Act of 1974 (ERISA), insurers like Ameritas have a fiduciary duty toward their policyholders. They cannot deny claims or terminate benefits without a valid reason, and they must explain everything to you and give you a chance to respond.
We are extremely familiar with ERISA and many important legal precedents in disability law. If your insurer steps out of line, we are ready to file a lawsuit on your behalf. Most times, insurance companies do the right thing when we clarify the situation and give them a second chance.
Our work with insurance companies has resulted in millions of dollars in benefits for our clients.
Help from an Attorney with Expertise in Disability Insurance
Disability insurance law is complicated. If your claim for LTD benefits was denied or is being delayed by an insurance company, it is important to get help from a lawyer with expertise in disability law.
- Our lawyers specialize in disability insurance
- Our lawyers have experience with UNUM, Hartford, CIGNA, Reliance Standard, and every other major insurance company
- Our lawyers have won tough disability insurance lawsuits
- Our lawyers have recovered millions in disability benefits for clients who were wrongly denied
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.
Dabdoub Law Firm represents clients nationwide with:
- Submitting disability insurance claims
- Appealing long-term disability denials
- Negotiating lump-sum settlements
- Filing lawsuits against their disability insurance companies