Many people acquire long term disability policies through their job or they may buy them on their own. These policies provide financial benefits to people who become disabled either by accident or illness. Most people expect the companies providing this insurance to keep their promise and pay benefits if they become disabled. Unfortunately, in many circumstances, this is not the case. By law, insurers are required to undertake a full and impartial claims review at the time a person asks for benefits.
Many insurers make little or no effort to evaluate long term disability claims.
Often, they don't even obtain medical records or work information before issuing a denial. During this process, it is likely that Claimants are financially squeezed, only adding to their sense of frustration. If you take the time to review your disability policy, you will see that it's a complex document filled with poorly defined terms. Some insurers will try to use various policy provisions to limit benefit payments or avoid payment altogether. As a practical matter, it is important to seek the advice of an attorney whenever a disability insurer begins tactics which seem unfair.