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

At Donahue & Horrow, LLP, our California  long-term incapacity insurance coverage legal professionals have in depth expertise guiding purchasers by means 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 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 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 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 reminiscent of medical doctors, surgeons, nurses, EMTs, legal professionals, 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 personal incapacity insurance coverage declare?

In case you are disabled by chance or harm and you might be enrolled in an insurance coverage protection program by means of your work or have bought a personal insurance coverage coverage, it’s possible 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 might also name the corporate, ship them a fax, or submit your declare by means of the mail. You’ll need to submit declare types together with medical data 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’ll information you thru the submitting course of from begin to end. Insurance coverage corporations reminiscent of UNUM, Cigna, Aetna, The Hartford, and others, have particular and distinctive phrases which can decide if you’re 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 total textual content of your coverage. You’ll doubtless uncover many complicated guidelines that outline the exact nature of a incapacity as they outline one. It’s good 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 an alternative, we encourage you to take motion and start discover your choices for refuting your declare.

Communicate with one in all our California non-public long-term incapacity insurance coverage legal professionals at Donahue & Horrow, LLP to grasp your rights and attainable avenues for recourse. Insurance coverage denial instances are distinctive authorized instances. Now we have in depth expertise getting our purchasers the outcomes and cash they deserve. The earlier you contact us, the sooner we will get to work in your behalf.  Communicate with our group as we speak. 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 received’t should pay a dime till we get well cash in your behalf. Get began along with your free session or name us at (877) 664-5407.