Lengthy-term incapacity insurance coverage claims are sophisticated. 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. Beneath, we’ve got answered a number of 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 way in which at no price 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 certainly one of their speedy members of the family is disabled by an accident or sickness. This non-public 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 cases ever once more.

Personal long-term incapacity insurance coverage insurance policies are widespread in center and upper-level administration positions and owner-operated roles resembling medical doctors, surgeons, nurses, EMTs, legal professionals, dentists, dental hygienists, occupational therapists, and bodily therapists, to call a couple of. Study extra about long-term incapacity insurance coverage claims from our important information. 

How do I make a personal incapacity insurance coverage declare?

In case you are disabled accidentally 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, it’s possible you’ll qualify for incapacity insurance coverage. 

A protracted-term incapacity insurance coverage declare can often be filed on-line through the web site of your incapacity insurance coverage firm. You might also 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. 

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 firms resembling 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 a 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 suggest that you simply rigorously evaluate the total textual content of your coverage. You’ll doubtless uncover many advanced guidelines that outline the exact nature of a incapacity as they outline one. You’ll want to perceive the particular particulars of your coverage earlier than you submit a declare in order that you don’t give the insurance coverage firm a purpose 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 may 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.

Converse with certainly one of our California non-public long-term incapacity insurance coverage legal professionals at Donahue & Horrow, LLP to grasp your rights and doable avenues for recourse. Insurance coverage denial circumstances are distinctive authorized circumstances. We’ve in depth expertise getting our purchasers the outcomes and cash they deserve. The earlier you contact us, the sooner we are able to get to work in your behalf.  Converse with our crew at this time. We are going to work to find out your rights and develop a plan to get you what you deserve. You’ll hear the eagerness we’ve got 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. 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 better cash in your behalf. Get began along with your free session or name us at (877) 664-5407.