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Lengthy-Time period Incapacity Insurance coverage Claims Demystified


Lengthy-term incapacity insurance coverage claims are difficult. In case you are attempting to navigate your insurance coverage declare or your declare has already been denied, we’re right here to assist. Beneath, we’ve answered a few of the questions that you could be be in search of solutions to. 

At Donahue & Horrow, LLP, our California  long-term incapacity insurance coverage attorneys 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 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 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 fast 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 frame, and in some situations ever once more.

Non-public long-term incapacity insurance coverage insurance policies are widespread in center and upper-level administration positions and owner-operated roles corresponding to docs, surgeons, nurses, EMTs, attorneys, 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 insuranceIn case you are disabled by chance or harm and you’re 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. 

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 might also name the corporate, ship them a fax, or submit your declare by way of the mail. You will have to submit declare varieties together with medical information documenting your accidents. Relying on the small print of your coverage and declare, you might also be required to supply monetary paperwork. 

Once you work with our incapacity insurance coverage attorneys, we’ll information you thru the submitting course of from begin to end. Insurance coverage corporations corresponding to UNUM, Cigna, Aetna, The Hartford, and others, have particular and distinctive phrases which is able to 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 usually intentionally complicated. As a policyholder, we strongly advocate that you just fastidiously assessment the total textual content of your coverage. You’ll possible 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 cause 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 got 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.

Converse with considered one of our California non-public long-term incapacity insurance coverage attorneys at Donahue & Horrow, LLP to grasp your rights and doable avenues for recourse. Insurance coverage denial instances are distinctive authorized instances. We have now intensive expertise getting our shoppers 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 workforce at the moment. We’ll work to find out your rights and develop a plan to get you what you deserve. You’ll hear the fervour 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. Enable 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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