Lengthy-Time period Incapacity Insurance coverage Claims Demystified


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. Under, we’ve answered a number of the questions that you could be be looking for solutions to. 

At Donahue & Horrow, LLP, our California  long-term incapacity insurance coverage legal professionals have intensive expertise guiding shoppers 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 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 sometimes 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 considered one of their rapid relations 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 period, 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 similar to medical doctors, 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?

private disability insuranceIf you’re 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, chances are you’ll qualify for incapacity insurance coverage. 

A protracted-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 will want to submit declare types 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 corporations similar to UNUM, Cigna, Aetna, The Hartford, and others, have particular and distinctive phrases which can decide if you’re eligible for advantages and for a way lengthy. 

Every insurance coverage firm writes its personal insurance policies. Consequently, the language they use is usually intentionally complicated. As a policyholder, we strongly advocate that you just rigorously assessment the complete textual content of your coverage. You’ll doubtless uncover many advanced guidelines that outline the exact nature of a incapacity as they outline one. That you must 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 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’ve gotten 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 considered one of our California non-public long-term incapacity insurance coverage legal professionals at Donahue & Horrow, LLP to know your rights and potential avenues for recourse. Insurance coverage denial circumstances are distinctive authorized circumstances. We have now intensive expertise getting our shoppers 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 workforce right this moment. 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 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 received’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.


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