Can a Disability Attorney Manage My Insurance Claim For Me?

If you have a disability, it is likely that your long-term disability insurance payment is your only source of income. But can you trust your insurance company to continue paying your disability benefits? Disability insurance companies are always on the lookout for opportunities to terminate your disability insurance claims and have strict policies on providing benefits to the insured, month after month.

Contractual Obligations

They base much of their obligation to pay you benefits, according to the contract you signed with them, on monthly physician statements from your treating doctor and monthly claim forms that they make your responsibility to submit to them in order to prove continued eligibility.

While seemingly harmless, this allows insurance companies to use these reports along with employer statements and questionnaires to continually evaluate your eligibility for the disability insurance claim. From video surveillance, to contradictory or lack of documentation from your physician, companies can use any information that they procure about you as justification for the termination of your disability insurance claim. Disability companies can deny claims by isolating seemingly trivial information about their medical condition and daily activities, and it often takes the simplest of oversights on your part for the insurance company to deny your insurance claim, regardless of how long you have been receiving your benefits.

Claims Handling

With Monthly Claim Handling, our attorneys at Dell & Schaefer provide one of the most important services for those on disability insurance claims, by providing legal representation for individuals that have been approved for long-term disability. What this leads to is us becoming your voice with the disability insurance carrier, ensuring that all communication from the insurance companies is addressed to us. We directly correspond with your disability insurance company about any documents they need, limiting access to your doctors and information that you have not authorized them to access.

We make it our responsibility to ensure that you receive your disability insurance benefit every month as dictated by the contract with the insurance company. All information regarding your medical condition, such as claim forms, physician statements, medical records, financial documents, or other documents will be periodically provided to the insurance carrier by us after a thorough scrutiny of the content therein. Our representation also ensures that you always have a lawyer backing you up against any violation of your rights or denial of benefits. Contact us for a free consultation to discuss your disability insurance claim.