Long-term disability insurance is intended to help support you if you’re sick or injured and cannot work. Sadly, what should be a straightforward process is anything but simple. Despite paying premiums for years, your insurance company may have unfairly denied your legitimate disability insurance claim, leaving you without a steady income.
Top Offending Insurance Carriers
Unum is one of the largest disability insurance carriers and has been fined millions for wrongfully denying claims. The Unum family includes:
- New York Life
- Colonial Life
- National Life Group
What does my policy cover?
Long Term Disability covers a variety of illnesses – Many people think that long term disability only covers injuries that happen on the job. While on the job injuries may be covered, more than 95% of long term disability claims are estimated to be non work-related.
For example, cancer, mental illness, chronic illnesses, neurological disorders, and certain degenerative diseases among many others may all be covered by your long term disability policy.
Where Are You in the Process?
Sick or Injured, but Haven’t Filed a Claim Yet?
Complex claim paperwork is the last priority on your agenda when you’re struggling with illness or injury. While you may have a long term disability policy, you may also be unsure of what that policy covers, and what you need to do next. This is where we can help. This site can serve as a resource center for information on:
- Understanding Your Policy
- Qualifying Medical Conditions
- Staying Organized
- Filing a Claim: Do’s and Don’ts
- Additional Long Term Disability Resources
Applied for and Waiting for a Coverage Decision?
If you’ve applied for coverage and haven’t heard from your long term disability insurance carrier for an extended period, it may be time to reach out to them for a decision.
Intentionally delaying a claim decision is one way that some insurers demonstrate bad faith and fail to honor their contract with you. Without an official denial, you’re unable to appeal.
Applied for and Denied Coverage?
When you receive a denial letter from a long term disability carrier, to whom you’ve paid premiums for years, it can be frustrating and overwhelming. Too often, legitimate claims are denied because insurance companies look for every possible legal and technical angle available, that will allow them to deny a valid claim. When an insurer does not live up to its end of the contract, it is called insurance bad faith. In addition to denial, other forms of insurance bad faith include:
- Partial payments on disability claims
- Unreasonable denial, delay, or policy termination
- Concealing benefits from policyholders
- Misclassifying injuries to prompt claim denial
Thankfully, denials or low payments aren’t the end of the claims process. If your claim has been rejected, know your rights and options. Our case managers will address concerns you have and show you the next steps. Sign up for your FREE case evaluation or call us today.
Why Hire a Long Term Disability Insurance Attorney?
When confronted with the confusing long term disability insurance claims process, many consumers simply forego what may be owed to them because of the time and effort necessary for making the insurance company pay out. Don’t risk losing your appeal on a technicality or by not having the right information available.
Working with a long term disability claims attorney to advise you and handle your claim gives you peace of mind, making the process easier on you during this difficult time.
Why Sokolove Law?
- Sokolove Law has helps peopleget the legal support they need, regardless of race or income.
- Sokolove Law has helped people in all 50 states get the legal support they need to move through our court system. We provide a FREE case evaluation and you only pay us if you are successful in your appeal.