Lengthy-term incapacity insurance coverage claims are difficult. If you’re making an attempt to navigate your insurance coverage declare or your declare has already been denied, we’re right here to assist. Beneath, we have now answered among the questions that you could be be in search of solutions to.
At Donahue & Horrow, LLP, our California long-term incapacity insurance coverage legal professionals have in depth expertise guiding purchasers by way of the insurance coverage declare course of. We’re right here to help you each step of the best way at no value to you except we win your case.
What’s long-term incapacity insurance coverage and the way do I qualify for long-term incapacity insurance coverage advantages?
Lengthy-term incapacity insurance coverage insurance policies are usually taken out by high-income professionals who’ve chosen to guard themselves and their households by buying a personal incapacity coverage. These insurance policies are designed to cowl misplaced wages within the occasion the insured particular person or one in all their speedy members of the family is disabled by an accident or sickness. This personal long-term incapacity insurance coverage coverage protects the insured if (s)he’s unable to work of their occupation for an prolonged time frame, and in some situations ever once more.
Personal long-term incapacity insurance coverage insurance policies are frequent in center and upper-level administration positions and owner-operated roles comparable to docs, surgeons, nurses, EMTs, legal professionals, dentists, dental hygienists, occupational therapists, and bodily therapists, to call a number of. Study extra about long-term incapacity insurance coverage claims from our important information.
How do I make a personal incapacity insurance coverage declare?
If you’re disabled by chance or harm and you might be enrolled in an insurance coverage protection program by way of your work or have bought a personal insurance coverage coverage, you might qualify for incapacity insurance coverage.
An extended-term incapacity insurance coverage declare can normally be filed on-line by way of the web site of your incapacity insurance coverage firm. You may additionally name the corporate, ship them a fax, or submit your declare by way of the mail. You’ll need to submit declare varieties together with medical information documenting your accidents. Relying on the main points of your coverage and declare, you may additionally be required to offer monetary paperwork.
Whenever you work with our incapacity insurance coverage attorneys, we are going to information you thru the submitting course of from begin to end. Insurance coverage firms comparable to UNUM, Cigna, Aetna, The Hartford, and others, have particular and distinctive phrases which is able to decide if you’re eligible for advantages and for the way lengthy.
Every insurance coverage firm writes its personal insurance policies. Consequently, the language they use is commonly intentionally complicated. As a policyholder, we strongly advocate that you just rigorously overview the total textual content of your coverage. You’ll probably uncover many advanced guidelines that outline the exact nature of a incapacity as they outline one. It’s essential perceive the precise particulars of your coverage earlier than you submit a declare in order that you don’t give the insurance coverage firm a motive to disclaim your declare.
What do I do when my long-term incapacity insurance coverage declare is denied?
Time is of the essence after you could have acquired a declare denial. You shouldn’t settle for the denial of your rightful insurance coverage declare. Your insurance coverage supplier is counting on you giving up and accepting your denied declare. As an alternative, we encourage you to take motion and start discover your choices for refuting your declare.
Communicate with one in all our California personal long-term incapacity insurance coverage legal professionals at Donahue & Horrow, LLP to know your rights and attainable avenues for recourse. Insurance coverage denial instances are distinctive authorized instances. We’ve in depth expertise getting our purchasers the outcomes and cash they deserve. The earlier you contact us, the quicker we are able to get to work in your behalf. Communicate with our staff immediately. We’ll work to find out your rights and develop a plan to get you what you deserve. You’ll hear the eagerness we have now for our work, for getting you what you might be rightfully owed, and you’ll not be charged for the time we spend discussing your case.
We’re right here to assist.
At Donahue & Horrow, LLP, we all know your incapacity is probably going inflicting monetary and emotional hardships. Enable us to tackle the burden of managing your long-term incapacity insurance coverage declare. You gained’t must pay a dime till we recuperate cash in your behalf. Get began together with your free session or name us at (877) 664-5407.
