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Lengthy-Time period Incapacity Insurance coverage Claims Demystified

Lengthy-term incapacity insurance coverage claims are difficult. In case you are making an attempt to navigate your insurance coverage declare or your declare has already been denied, we’re right here to assist. Under, we’ve answered among the questions that you could be be searching for solutions to. 

At Donahue & Horrow, LLP, our California  long-term incapacity insurance coverage attorneys 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 way in which at no price to you until 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 sometimes taken out by high-income professionals who’ve chosen to guard themselves and their households by buying a non-public incapacity coverage. These insurance policies are designed to cowl misplaced wages within the occasion the insured particular person or one in all their fast 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 period, and in some cases ever once more.

Personal long-term incapacity insurance coverage insurance policies are frequent in center and upper-level administration positions and owner-operated roles resembling docs, surgeons, nurses, EMTs, attorneys, dentists, dental hygienists, occupational therapists, and bodily therapists, to call a number of. Be taught extra about long-term incapacity insurance coverage claims from our important information


How do I make a non-public incapacity insurance coverage declare?

private disability insuranceIn case you are disabled accidentally or damage and you’re enrolled in an insurance coverage protection program by way of your work or have bought a non-public insurance coverage coverage, chances are you’ll qualify for incapacity insurance coverage. 

An extended-term incapacity insurance coverage declare can often be filed on-line through 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 kinds together with medical information documenting your accidents. Relying on the small print of your coverage and declare, you might also be required to offer monetary paperwork. 

While 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 corporations resembling UNUM, Cigna, Aetna, The Hartford, and others, have particular and distinctive phrases which can decide in case you are eligible for advantages and for the way lengthy. 

Every insurance coverage firm writes its personal insurance policies. Because of this, the language they use is commonly intentionally complicated. As a policyholder, we strongly advocate that you simply fastidiously evaluation the complete textual content of your coverage. You’ll seemingly uncover many complicated guidelines that outline the exact nature of a incapacity as they outline one. You might want to 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 might 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 a substitute, 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 attorneys at Donahue & Horrow, LLP to know your rights and potential 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 will get to work in your behalf.  Communicate with our group in the present day. We’ll work to find out your rights and develop a plan to get you what you deserve. You’ll hear the eagerness we’ve for our work, for getting you what you’re 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. Permit us to tackle the burden of managing your long-term incapacity insurance coverage declare. You gained’t should pay a dime till we get well cash in your behalf. Get began together with your free session or name us at (877) 664-5407.



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