Disability Insurance CLAIMS

Florida disability Attorney Carrie J. Feit

Whether you have an individual disability policy that you purchased on your own, or a group policy through your employer, you have the burden of “proving” that you are either unable to work in your own occupation, or any occupation, depending upon the definition of disability at play. Such proof must include the support of your physicians and equally as important, specific restrictions and limitations preferably backed up by “objective” medical evidence.

Whether your coverage is insured by an insurance carrier, such as The Hartford, Unum, or your employer, the insurer will likely find the vulnerabilities of your claim, i.e. change in the disability definition from “own occupation” to “any occupation,” inconsistencies in your reported symptoms or abilities, or a box checked off on an insurance company form by your physician’s office that does not reflect the complete picture of your illness.

Whether your coverage is insured by an insurance carrier, such as The Hartford, Unum, or your employer, the insurer will likely find the vulnerabilities of your claim, i.e. change in the disability definition from “own occupation” to “any occupation,” inconsistencies in your reported symptoms or abilities, or a box checked off on an insurance company form by your physician’s office that does not reflect the complete picture of your illness.

If you are at the beginning stages of making your claim, you (and your physicians) should be extremely cognizant of such perceived vulnerabilities when completing claims forms/questionnaires that do not necessarily provide answer choices that accurately reflect your functionality. If you are already in the claim process, you should make sure the insurer has all relevant medical records, that your physicians refute any inaccurate functional assessments by the insurer, and that you appeal any adverse benefit decisions in a timely manner. Often times a disability claim investigation will involve a field visit and/or surveillance, a compulsory medical exam or a functional capacity evaluation, upon which an insurance company will deny your claim.  A claimant should thus proceed cautiously when faced when these claims handling tools. Of course, complete honesty as far as your symptoms, function and activities will in large part prevent inconsistencies in your claim.  However, no matter how honest or disabled someone is, they will likely be confronted with major challenges when filing and pursuing a claim.  Seeking legal advice on these issues by an experienced disability insurance claim attorney is important in this tricky process, especially before you have been “finally” denied or your disability claim is otherwise ripe for litigation.
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Contact Florida Disability Lawyer, Carrie Feit

Office: 3211 Ponce de Leon Blvd. Suite 200 Coral Gables, FL 33134

Phone: (305) 443-3060

Fax: (305) 443-2238

Email: [email protected]

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