Free Consultation 877.583.2524
We do not handle social security disability claims
logo celebrating

Nationwide Leaders in Disability Insurance Law

shook hands

LONG TERM DISABILITY INSURANCE IS NEVER A DO-IT-YOURSELF PROJECT

Sunday, December 19th, 2010

If you spend any time on the Disability Insurance Forums, you’ll learn first-hand how badly the disability insurance companies treat their claimants, and read heartbreaking stories about women and men who simply want to be treated with honesty and decency. There are a handful of challenges that are repeated year in and year out. Let’s address some of them:

Getting a copy of your policy – For Individual Disability Policies, you really do need to have the exact policy that was in place when you signed up. This is the contract that details what you are entitled to. If the insurance company sends you a policy that was issued in 2010 and you started with the company in 2004, the policy will not be the same. Sadly, most don’t take this seriously until it’s time to file a claim. For Group Long Term Disability (LTD) Policies, the opposite is true. The contract which will govern your claim will be the policy that is in place at the time of disability, so ensure that you are able to secure a copy of the policy from the employer.

Continuing benefits after employment is terminated – a tough challenge. The problem is, once you are terminated from employment, you will be unable to file a prior claim for disability benefits. However, if you have filed a disability claim, and are terminated subsequent to the claim, your coverage should remain in full force. The insurance company may try to persuade you that this is not the case, but without knowledge of the details of the law, how will you know?

Negotiating a lump sum buy-out – a layperson trying to negotiate a lump sum buyout with an insurance company is like a small child negotiating an arms treaty with a hostile country. No matter how bright and charming the child is, it will not end well, or on any kind of favorable terms. We have worked many with professionals who were convinced that their intellectual skills would be no match for an insurance company’s employee. They were stunned to find themselves unable to navigate through a deliberately complex series of roadblocks and dead ends.

This is one project you don’t want to tackle on your own – and you don’t have to. Contact us today at 1-877-LTD-CLAIM (877-583-2524)

Categories

Archives

Ready To Talk?

Fill out the form to request a FREE legal consultation

Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.

CLOSE

*Required fields are marked

I have read the disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

CLOSE

This is about a Social Security Disability claim.

Ipad image

Download Our Free eBook

FILING A DISABILITY INSURANCE CLAIM

Secrets the Disability Insurance Companies Don't Want You to know! Download Now

HELPING THE DISABLED NATIONWIDE

No matter where you are nationwide, we are here to help.

We have the resources and support to take on the largest insurance companies.

Contact us today for our nationwide service.

CHAT
NOW