Lengthy-Time period Incapacity Insurance coverage Claims Demystified

Lengthy-term incapacity insurance coverage claims are difficult. If you’re attempting to navigate your insurance coverage declare or your declare has already been denied, we’re right here to assist. Beneath, we’ve got 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 legal professionals have intensive expertise guiding purchasers by means of the insurance coverage declare course of. We’re right here to help you each step of the way in which at no price to you until 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 non-public incapacity coverage. These insurance policies are designed to cowl misplaced wages within the occasion the insured particular person or certainly one of their instant members of the family 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 period, and in some situations ever once more.

Personal long-term incapacity insurance coverage insurance policies are frequent in center and upper-level administration positions and owner-operated roles comparable to docs, surgeons, nurses, EMTs, legal professionals, dentists, dental hygienists, occupational therapists, and bodily therapists, to call a couple of. Be taught extra about long-term incapacity insurance coverage claims from our important information


How do I make a non-public incapacity insurance coverage declare?

private disability insuranceIf you’re disabled by chance or damage and you might be enrolled in an insurance coverage protection program by means of your work or have bought a non-public insurance coverage coverage, chances are you’ll qualify for incapacity insurance coverage. 

An extended-term incapacity insurance coverage declare can normally be filed on-line through the web site of your incapacity insurance coverage firm. You may additionally name the corporate, ship them a fax, or submit your declare by means of the mail. You have to to submit declare varieties together with medical information documenting your accidents. Relying on the main points of your coverage and declare, you may additionally be required to offer monetary paperwork. 

If you work with our incapacity insurance coverage attorneys, we are going to information you thru the submitting course of from begin to end. Insurance coverage firms comparable to UNUM, Cigna, Aetna, The Hartford, and others, have particular and distinctive phrases which can decide in case you are eligible for advantages and for a way lengthy. 

Every insurance coverage firm writes its personal insurance policies. Because of this, the language they use is commonly intentionally complicated. As a policyholder, we strongly advocate that you simply fastidiously evaluate the complete textual content of your coverage. You’ll probably uncover many complicated guidelines that outline the exact nature of a incapacity as they outline one. It’s essential 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 purpose 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 obtained 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.

Communicate with certainly one of our California non-public long-term incapacity insurance coverage legal professionals at Donahue & Horrow, LLP to know your rights and potential avenues for recourse. Insurance coverage denial circumstances are distinctive authorized circumstances. We have now intensive expertise getting our purchasers the outcomes and cash they deserve. The earlier you contact us, the sooner we will get to work in your behalf.  Communicate with our crew right now. We are going to work to find out your rights and develop a plan to get you what you deserve. You’ll hear the eagerness we’ve got for our work, for getting you what you might be 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 must 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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