As experienced New York long-term disability claims lawyers, we know you need help throughout your battle with the disability insurance company. We know that the steady stream of letters requesting more information or asking you to come to a doctor’s office for an exam and other requests can be unsettling. We’re here with you every step of the way.
If you’re in need of a disability attorney, either in New York or nationwide, call Frankel & Newfield, PC at 877-583-2524.
If you can’t work due to illness or injury, you should file a disability claim with your disability insurance company. Under your individual insurance policy, also known as a private insurance policy, you are entitled to coverage, provided your illness or injury fits your insurance company’s definition of disability. Most disability claims require you to provide information about your illness or injury, your job duties, and a doctor’s report that verifies your disability and your inability to work due to that disability. After submitting these documents, the insurance company reviews your case and decides whether to approve or deny your claim. It is in the insurance company’s best interest to deny your claim, so they will be looking for a reason to do so.
We hope you’ll contact us before you file a claim for long-term disability insurance benefits or even short-term benefits. The earlier we get involved, the smoother the process will be. That’s because your doctor’s reports and exam results all need to demonstrate not just that you are disabled but why you are unable to perform the tasks that your job requires. You may have a badly ruptured disc in your back and suffer from immense pain. Still, unless your medical records clearly indicate that you can’t perform your job duties, the disability insurance company may deny your claim.
Frankel & Newfield also works with your treating physician to help them understand how vital their medical records are to your case and what they can do to ensure the medical records properly document your limitations to support your claim.
Once you file a claim for disability insurance benefits, you may receive some correspondence from the disability insurance company advising you that your claim is being reviewed and asking for some additional information. They might even try to conduct a phone interview with you, which can be quite terrifying.
Don’t worry. We can help.
The interview is where a claimant may unwittingly damage their claim. An experienced disability claim attorney can act as an intermediate with the insurance company to prevent any extraneous details from hurting your case.
The insurance company is only entitled to the information outlined in your disability insurance contract. For example, if you are a business owner, you may be asked to provide a decade of financial reports, even if your policy does not require that information to be shared.
The disability insurance company may also ask for extensive medical records, some of which may seem unrelated to your claim. Your medical records from ten years ago may have nothing to do with your current condition. Still, unless you are in the disability insurance legal field, it’ll be difficult to read through your policy to find the exact language that defines what medical records you must share. You will likely feel intimidated by the insurance company. An attorney can ease this burden.
The disability insurance policy is a legally binding contract. It is at the heart of your claim — we often say it is the roadmap for the claim. But like many legal documents, it is complex and full of complicated language, usually written in the insurance company’s favor. That’s why an experienced disability insurance attorney can determine what you must provide to the insurance company when they ask for it and what you don’t have to provide while still satisfying your claimant obligations under the policy.
After the insurance company (or their third-party reviewing company) thoroughly reviews your paperwork, often utilizing biased medical reviewers, they decide to pay or deny your claim.
When your claim is denied or terminated, it’s time to call the Frankel & Newfield legal team.
Think of your short-term disability insurance claim as the entrance ramp to disability insurance benefits. If your short-term disability claim is denied, you may never qualify for disability. In most cases, short-term disability claims are paid by your employer, but it’s the disability company that often administers the short-term claims. They are incentivized to keep you from completing the short-term claim process.
The disability insurance company benefits in several ways: they get advance notice on your claim and have the opportunity to review your claim, medical records, and work records. They can red flag your claim, especially if you are relatively young or have a high benefit amount.
Insurance carriers have several common reasons they use to deny a disability case. These include lack of timely notification and documentation, insufficient documentation, a non-covered condition, dispute of the disability, dispute of the treatment, an error on the insurer’s part, and the existence of a pre-existing condition.
Even when you are injured or ill, the insurance company expects you to promptly submit all documentation of your disabling condition. Failure to submit documentation in a timely fashion can lead to denial of long-term disability benefits.
A New York state disability attorney can help you navigate the application process, meet deadlines, and properly complete your paperwork so that you can focus on your health. If you still get a denial letter, your short- or long-term disability lawyers can help you navigate the appeals process under disability law.
Disability plans require significant documentation of your disability. Before filing your initial claim, you must go to a doctor, receive all necessary medical tests and exams to confirm your medical condition, and submit all documentation and medical evidence clearly showing the extent of your disability and your inability to work.
Even then, short- and long-term disability claims are sometimes denied initially. It is vital to have the doctor involved in your care and medical treatment to be supportive of the claim. When the treating doctor is not fully supportive, it can be challenging for claims to succeed.
While it is clear that the fundamental reason for claims being denied is that paying claims cuts into profitability, there are substantive reasons why claimants don’t do enough to support their claims. Claimants often fail to ensure that their doctors have understood their functional deficits and limitations, and doctors often fail to properly articulate how and why a claimant suffers these deficits in functioning. Our work often involves helping to educate our clients and the doctors in these cases to bridge the medical and vocational issues.
Unfortunately, there is no standardized definition of “disability.” Disabilities can range from serious injuries to conditions like fibromyalgia, multiple sclerosis, and others. You should check your policy to see if your particular insurance plan covers your disability. Sometimes insurance companies will try to claim that your disability is not covered due to a pre-existing condition. An experienced New York disability law firm can review your contract, determine if the impairments you suffer qualify as a disability under your policy, and dispute any inappropriate denials.
If your disability is based on self-reported symptoms and impairments like dizziness or chronic pain, the insurer may not believe you are receiving appropriate care or treatment in an effort to deny your claim.
Some policies may exclude claims based on self-reported symptoms. Review your contract to check if such exclusions apply to you. Your disability attorney can also help here.
The insurance company will likely conduct an investigation of your claim that will involve scrutinizing your daily routines, your behavior, and even your social media posts. They may use what they find to argue that you are not as disabled as you say you are.
You may also be required to undergo an Independent Medical Examination (IME). These exams are often highly biased in favor of the insurance company. The exam, for example, may not include all the necessary records of your disability. The examiner may also not have the proper training to evaluate your case. If you get a denial letter based on IME findings, your disability lawyer can help you dispute the denial.
The insurance company may disagree with your doctor’s assessment of your needed treatment. Your lawyer can help fight this.
Sometimes, insurance providers make mistakes. That doesn’t mean you should be denied disability. Talk to a knowledgeable New York disability law office to pursue your case so you do not have to deal with bureaucracy while you heal.
Pre-existing conditions are often used to deny policyholders the benefits they need for their disability. If your provider denies your claim for this reason, they should include the specific language from your contract in the letter denying your claim. A knowledgeable disability lawyer can help you review the cited clause they use to try to appeal the denial.
Federal law outlines the appeals process for challenging a claim denial. These insurance laws, however, can be complex, and it can be easy to make a mistake. It is best to contact a qualified disability insurance attorney for help.
If your disability insurance policy is paid for through payroll deductions and you received it as part of your employee benefits, then you need to know about ERISA, the Employee Retirement Income Security Act of 1974. ERISA was created to protect employee benefit plans, particularly pensions, from unscrupulous employers. However, disability insurance companies discovered they could use ERISA to take control of coverage disputes. ERISA creates problems for claimants who try to tackle denials independently because under ERISA:
Every disability policy and fact pattern differs, but our experience and aggressive representation of our clients have led to many successful outcomes. We have overturned denials for clients at all stages of their claims and even won back benefits after terminations. While past performance does not guarantee future success, here are some examples of cases we have successfully represented.
We believe you and your family should focus on your health and adapting to your new circumstances. The last thing you need is the frustration, aggravation, and anxiety created by battling an insurance company. We work with our clients every step of the way so they don’t have to do it alone.
If you have any questions or want to learn more, please call us at 877-583-2524 for a free consultation or use our contact form for our team to reach out to you. Our New York law firm proudly serves claimants nationwide.
Secrets the Disability Insurance Companies Don't Want You to Know!