How To File A Disability Insurance Claim: Avoiding Common Obstacles

You have worked hard your whole career, but you end up unable to practice your livelihood due to a physical or psychological handicap. You’re not alone. Actually, some figures indicate that an individual in their mid-thirties includes a 50:50 chance of experiencing a disabling illness which prevents them. One out of seven workers will become disabled for a period of more than five years before reaching retirement.

Fortunately, you were wise enough to buy disability insurance to offset the risk that you would become handicapped. Regrettably disability insurance businesses have developed a system to maximize gains and avoid paying your claim, whatever the merits of your condition. How do you avoid getting your disability insurance claim denied or terminated?

Among the many hurdles You’ll likely face when submitting a claim for disability insurance benefits are:

  • Understanding, interpreting, and properly following the terms of complicated policies drafted by insurance companies;
  • Recognizing, averting, and dealing with insurance companies’ attempts to put on out claimants by delaying the claim process;
  • Ensuring that treating doctors take the time and effort to record the disability sufficiently and in a Way that is helpful to your claim;
  • Avoiding insurance companies’ attempts to utilize out-of-context secret surveillance as a foundation for terminating or denying that the disability insurance claim;
  • Ensuring that independent medical and psychological tests are conducted appropriately, fairly, and without risking harm;
  • Fighting insurance companies’ attempts to terminate or deny disability insurance claims because the symptoms of your condition are subjective or self-reported;
  • Overcoming the large number of other techniques and tools that insurance companies have developed to engineer a basis for denying valid disability insurance claims as their primary goal is profit.

Complex and Confusing Insurance Policy Language

The language of every insurance policy is complex and perplexing, drafted by attorneys and insurance company employees with an eye on protecting their own interests. When denying or denying a claim, insurance companies capitalize at the cost of the insured on the complexity of the policies. The truth is that there is not any”standard” insurance policy contract, as well as the terms vary radically from policy to policy, where policy is generally circumscribed and limited with different qualifying phrases and words. To be able to conquer the insurance companies attempts to use jargon and legalese to avoid paying claims, it is essential that a claimant understand the definitions of the key terms and phrases in the policy, as well as the ambiguities in these words. When words or phrases are ambiguous or their significance is not apparent, courts will construe the meaning of those terms against the drafter (the insurer ) and in favor of the other party (the claimant). Possessing a thorough understanding of your coverage language may be the main step in filing your disability insurance claim.

Efforts To Delay The Claim Procedure

One of the most common methods that insurance businesses use to avoid paying benefits will be drawing out the claims procedure for as long as you can. Out of frustration, insurance providers can increase the attrition rate of claimants that legitimately individuals will simply give up This manner. However, insurance companies have a legal obligation to make prompt decisions, and also delays are tolerated by a claimant.

Working With Your Fixing Physician

Perhaps the most significant facet of a successful disability claim is the medical documentation of your disability. Many doctors are really busy, and might not spend the opportunity to write accurate and detailed reports of your ailment. It’s common for hurried doctors to simply copy-and-paste descriptive that is boiler-plate terminology into office visit notes that is really inaccurate or false. In a hurry, a physician’s office visit note may consist of phrases that apply to most patients, but that is totally incorrect as applied to you. By way of example, a doctor’s report from an office visit might say that”individual is in no apparent distress,” if in fact, the objective of your appointment was to treat your chronic back pain that is preventing you from working. Disability Benefit & Claims Lawyer in Halifax Nova Scotia | Disability Lawyer

In addition, depending on your relationship, they might not have any interest in devoting the time for your own disability insurance claim. Butfully discussing your condition using a compassionate is crucial to obtaining documentation of your condition which supports your claim.


Once you file your disability insurance coverage, it is very possible that you will be secretly videotaped or photographed by your insurance provider during their investigation of your claim. If they are able to record you engaging in activities that you claimed you could not work, they will probably use this proof as a basis. It is also not unusual to your physicians in an attempt to convince your physician, and to sour your connection or for carriers to ship these videos. It’s important to be recognizing that these videos might be misconstrued to attain the insurance company’s goals. Click here and get a free quote

Independent Medical Tests

Insurance companies frequently ask disability insurance claimants to submit to an”independent” medical examination performed by a physician chosen and compensated by your insurance provider. Apparently, this creates a conflict of interest, where the physician evaluating your handicap has an indirect incentive to improperly diagnose your condition. You may also be requested to undergo exams by somebody other than a physician. All of these examinations can be debilitating or harmful and stressful. It is not unusual for parts of the exam to include diagnostic evaluations that are intrusive or protracted. Of course, the primary purpose of these exams is usually to not diagnose your situation. Rather, these exams are often just another instrument insurance companies use to refuse or terminate your claim. Therefore, it is important to know about your rights.

Subjective Requirements and Self-Reported Symptoms

Perhaps the most common ailments for which insurance carriers may deny disability insurance benefits are those in which the symptoms or the seriousness of symptoms are either subjective or not objectively measurable. By way of instance, chronic back pain, neck pain, rheumatoid arthritis, and depression, are conditions where the severity of the condition could not be possible to quantify, other than with subjective statements in the patient, and verifiable signs may simply be too difficult to acquire. Nonetheless, insurance companies may deny claims for a lack of verifiable evidence of the condition, capitalizing on the lack of signs. In many cases, but a provision that requires an insured to provide evidence of their disability is not contained by the details of the insurance policy. It is necessary for a claimant with a condition where the indicators aren’t objectively verifiable to comprehend provisions and the terms of their insurance contract.

By | 2021-12-13T05:12:11+00:00 May 8th, 2019|Nature|0 Comments