As North Carolina disability insurance lawyers, we are dedicated to fighting to get clients the disability insurance benefits that they deserve. We represent clients in North Carolina with ERISA claims and private disability insurance claims at all stages of the claim.
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North Carolina is home to many technology companies and a large and growing number of corporations that have significant manufacturing operations in North Carolina. With the assistance of many business organizations, North Carolina works to advance the needs of manufacturers and employees to continue to build and grow the manufacturing economy in the state. Technology is also growing in North Carolina, in particularly in the Raleigh-Durham-Chapel Hill area, known as the Research Triangle, made up of eight counties and featuring a large collection of research centers at major universities that supply a highly skilled and educated workforce to the technology companies in the region.
We work with many individuals who think that because they are very successful in their careers, that applying for a disability benefit should not be a difficult task. This is often the case when physicians, dentists and chiropractors are faced with filing a claim for disability insurance benefits. Because they routinely deal with insurance matters in their professional capacity, the medical professionals believe that they can easily handle the application for long term disability insurance.
However, the long term disability insurance application is spring-loaded with potential for problems later on. With the exception of your name and the date, each and every item on the form has the possibility of becoming a reason for a disability claim to be denied.
Bear in mind that the moment you begin filling out a form, particularly online forms, the insurance company begins gathering information on you and your claim. We like to think that these companies are working in our best interests and are genuinely concerned about our well-being. After all, they spend millions of dollars on television advertisements portraying caring executives and humorous characters who interact with insured families. Unfortunately, the difference between the advertisements and the real employees who you are likely to encounter in the course of filing a claim are very different.
This why Frankel & Newfield advises their clients to think protectively during any interaction with the insurance company, from a telephone conversation with a claims adjuster to an email exchange with a clerk processing forms. Take careful notes about who you speak with, what you agree to, and the nature of the conversation.Ready To Talk?
Very often, insurance companies will follow up a conversation with a letter documenting the conversation. It is very important that you read these letters to ascertain that what the insurance company states in the letter is exactly the same as the conversation you had. Very often we learn about clients who have one conversation with a disability insurance representative, and then a letter arrives that makes statements that are completely different than what was discussed. There is usually a clause that says "unless we hear from you by (an arbitrary date) we will assume that you agree with the terms of this letter."
Be very careful about responding to such a letter and be sure to respond in a timely manner. Send the letter and any documents with a Return Receipt so that you have proof that the letter was sent and that it was received.
If you have questions about conversations or correspondence with a long term disability insurance company representative, contact our office to learn how we can help.Ready To Talk?
Jason Newfield is a founding partner of the disability insurance law firm Frankel & Newfield. He has spent the majority of his legal career advocating for the rights of disabled workers. He has lectured other professionals, worked on a Federal Advisory committee, and published many articles in the field of disability insurance claims and litigation.
FILING A DISABILITY INSURANCE CLAIMSecrets the Disability Insurance Companies Don't Want You to know!
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