Consider Having a Person You Trust Assist You with Your Disability Insurance Claim
Having a person who can act on your behalf when making a disability claim is invaluable. Often when an individual is disabled and attempting to steer a path through the intricacies of a long term disability claim, he is bombarded by numerous requests from the disability insurance company. Disability insurance companies such as Unum, MetLife, Ameritas, and Berkshire demand a wealth of medical, financial and other claim information. They seek information directly from your physicians, and you need to have someone checking in with your doctors to make sure they provided the information so your disability benefits are not delayed or denied.
Depending upon the symptoms associated with your disability, you might have great difficulty responding to the insurer. For example, if an individual suffers from a traumatic brain injury, his ability to recall facts and convey them to a disability insurance company could be compromised. Or a person could be experiencing extreme pain and cannot focus when asked to provide detailed information about his condition and treatment plan. A disabled insured might have extreme fatigue and simply cannot generate the energy needed to deal with the disability insurance company’s frequent and numerous requests. There is a direct correlation between the failures of the insured to provide information and a disability claim denial or termination.
A Family Member May Be Able to Help You Manage Your Long Term Disability Claim
A spouse, sibling, adult child or parent of the disabled person can speak on the insured’s behalf to ensure that information conveyed in support of a long term disability claim is accurate, documented, provided on a timely basis and actually received by the insurance company. All too often, when a client approaches me for the first time after difficulties with his claim have arisen, it is because his symptoms have prevented him from being the best advocate for himself. In circumstances where more help is needed, the insured can sign a Power of Attorney where he designates a person to act on his behalf in a limited fashion or over broad areas. This approach should be considered if the disabled insured person is in and out of the hospital or has a condition that prevents him from communicating on a routine basis with his advocate.
The majority of long term disability insurance companies administering claims provide insureds with forms to complete so that they can designate someone to speak on their behalf or accept benefit checks for them. If your disability insurance company refuses to allow your advocate to assist you, that could be a red flag. If there is no designated form, then you or your advocate can make a request in writing for the advocate to be able to receive and convey information concerning your claim.
In addition to taking the pressure off of you while you are not feeling your best, this procedure also serves to protect you from abusive practices by disability insurance company representatives. Tactics of abuse include calling you at any time of the day to conduct a telephone interview, misconstruing your pleasant demeanor as a sign you are not disabled and treating your inability to answer the phone when they call as a sign you must be working or too busy to be disabled.
If you have experienced pressure from the disability insurance company administering your long term disability claim, consider putting an advocate in your place to help with your claim. If tactics of abuse continue even with an advocate, call Gisonni Law Firm to learn about your options in combating your long term disability insurance company’s unfair tactics.