Crucial Things to Know Before Filing For Disability Insurance

Crucial Things to Know Before Filing For Disability Insurance

Accidents and unfortunate events happen, and sometimes those events prevent individuals from working and earning money. Disability insurance is a form of insurance that insures the policyholder’s earned income in the event that a disability prevents them from performing the responsibilities that are expected of them at work. If a worker suffers an injury, accident or illness that causes physical incapacity to complete their work, they may be eligible to file a disability insurance claim against their group or individual disability insurance coverage. However, the process of filing a disability insurance claim is complicated and very strict in structure, so it is always best to consult experienced counsel before taking any actions to prevent any unintentional disqualifications. Here is an overview of the process of filing for a private disability insurance claim.

  • To begin the claims process, you must first find out whom you have to file with and whether it is considered a short-term disability or long-term disability.
    • Short-term- provides coverage, after a short waiting period of 14 days, for a limited amount of time as specified in your policy (several months up to a year).
    • Long-term- provides coverage for injuries or illnesses that prevent you from working for longer terms than what would be covered under a short-term policy. This does not cover childbirth.
  • The carrier of your disability insurance policy will require you to fill out specific forms for the filing process. Understanding your policy and all of the obligations before filing is of particular importance. This is the best time to consult a that has experience in handling these matters. Any incorrectly phrased information or incorrect filing order could result in you being denied from collecting your insurance benefits. This aspect cannot be taken lightly; often individuals are denied disability insurance that they rightly deserve due to errors and mistakes that happened during the claims process.
  • You doctors will be required to fill out specific forms and certifications that will be part of your file as you hope to claim disability insurance. This will include a statement detailing the injury/illness in question, treatment plan, and verification that you are unable to return to work with the current injury. It is important that your doctor takes his/her time while filling these out because any incorrect descriptions of your situation could delay or jeopardize the process of you receiving coverage. Having a disability insurance lawyer that ensures your filing is complete is vital.
  • Upon filling out the specific forms, you will be asked to describe your injury/illness, job responsibilities, salary and other financial information. You may be asked to see another physician at the request of your carrier for further evaluation.
  • Some policies may require you to file for and secure government benefits such as Social Security Disability Insurance (SSDI) as a condition for you to be paid under your long-term disability policy.

It is especially important to completely understand your policy and what is required by you to file a claim and receive your benefits. And it is important to remember that the reason there seems to be so many obstacles is that insurance fraud does occur and insurance companies are trying to prevent it. So be patient with the process, however frustrating it can be because disability insurance is ultimately in place to help you financially. The Blaut Weiss Law Group has many years of experience when it comes to helping individuals with their private disability insurance claims. Contact us at 954-634-1800 or http://www.blautweiss.com/contact.php to request a free consultation.