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Lengthy-term incapacity insurance coverage claims are sophisticated. In case you are making an attempt to navigate your insurance coverage declare or your declare has already been denied, we’re right here to assist. Beneath, we have now answered among the questions that you could be be looking for solutions to.
At Donahue & Horrow, LLP, our California long-term incapacity insurance coverage legal professionals have in depth expertise guiding shoppers by way of the insurance coverage declare course of. We’re right here to help you each step of the best way 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?
Long-term disability insurance policies are usually taken out by high-income professionals who’ve chosen to guard themselves and their households by buying a personal incapacity coverage. These insurance policies are designed to cowl misplaced wages within the occasion the insured particular person or certainly one of their quick 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 frame, and in some situations ever once more.
Non-public long-term incapacity insurance coverage insurance policies are widespread in center and upper-level administration positions and owner-operated roles similar to medical doctors, 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 essential guide.
How do I make a personal incapacity insurance coverage declare?
In case you are disabled accidentally or harm and you’re enrolled in an insurance coverage protection program by way of your work or have bought a personal insurance coverage coverage, chances are you’ll qualify for incapacity insurance coverage.
An extended-term incapacity insurance coverage declare can often 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 way of the mail. You will have to submit declare types together with medical data documenting your accidents. Relying on the small print of your coverage and declare, you might also be required to supply monetary paperwork.
Whenever you work with our incapacity insurance coverage attorneys, we’ll information you thru the submitting course of from begin to end. Insurance coverage corporations similar 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. Consequently, the language they use is usually intentionally complicated. As a policyholder, we strongly suggest that you just fastidiously overview the complete textual content of your coverage. You’ll doubtless uncover many advanced guidelines that outline the exact nature of a incapacity as they outline one. It is advisable to 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 got acquired 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 a substitute, we encourage you to take motion and start explore your options for refuting your claim.
Communicate with certainly one of our California non-public long-term incapacity insurance coverage legal professionals at Donahue & Horrow, LLP to grasp your rights and doable avenues for recourse. Insurance coverage denial circumstances are distinctive authorized circumstances. We’ve got in depth expertise getting our shoppers the outcomes and cash they deserve. The earlier you contact us, the quicker we are able to get to work in your behalf. Communicate with our crew in the present day. We’ll work to find out your rights and develop a plan to get you what you deserve. You’ll hear the fervour we have now for our work, for getting you what you’re 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. Permit us to tackle the burden of managing your long-term incapacity insurance coverage declare. You gained’t must pay a dime till we recuperate cash in your behalf. Get started with your free consultation or name us at (877) 664-5407.
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