Our video discusses how disability insurance companies can reduce or limit disability benefits in group, or employer-sponsored, LTD plans. This is achieved through the wording and terms written into the disability insurance policy.
Do you know what benefits are limited in your disability plan?
Neck pain and cervical disorders may qualify for long term disability (LTD) benefits from your insurance company. Yet don’t be surprised if your disability claim is denied.
While insurers may promise to pay LTD benefits if you are unable to work, many will deny valid claims, lowball payments or resort to delay tactics – hoping you will give in and abandon the claim.
Today’s video talks about how disability insurers can use allegations of non-compliance in disability claims as a way to deny benefits. Possibly the most common forms of “non-compliance” favored by insurers is when you choose to not follow your doctor’s advice.
Fearing serious side effects, or lacking the money to handle large medical expense, you might be justified in refusing to take prescribed medications, or deciding to not undergo recommended surgeries or treatments. But it is a sure bet the insurance company will do all they can to turn your decision against you as a way to dismiss your claim on the basis of non-compliance.
Was your syncope disability insurance claim recently denied? If you suffer from chronic syncopal episodes to the extent that you are no longer able to work, you may qualify for disability benefits.
However, insurance companies are known for denying or terminating syncope disability benefits. They will argue that even if a claimant suffers repeated bouts of fainting, they can have someone take them to work and that they can perform sedentary work.
Disability claims involving substance abuse disorder can be particularly challenging. Alcoholism and drug dependence are serious problems that gravely harm a person’s health.
If you have questions about whether your long term disability claim for substance abuse is warranted, please contact our law firm without delay. We will review your claim and provide accurate, legal direction so you are able to move forward.
Do you suffer from speech disorder disability? Did your disability insurance company deny your claim for disability benefits?
When you are burdened with a speech disorder, you experience loss of speech and communication. When you can no longer communicate because of a speech impairment it can be quite difficult to function in your work duties as well as daily activities.
If you suffer from sleep apnea and were denied long term disability benefits by your insurance company, Social Security or the Department of Veterans Affairs, Marc Whitehead & Associates can help you win the benefits you deserve.
When you live with sleep apnea, you experience repeated, significant interruptions in breathing while sleeping. Some individuals stop breathing for up to two minutes. This stop/start cycle of breathing–not breathing may occur hundreds of time each night.
When you file your initial application for LTD insurance benefits, a lot is at stake. Our video explains why disability insurance companies deny so many legitimate claims.
But sometimes a claim is denied because of mistakes and omissions made on the application, by the applicant. Without skilled legal guidance, it is a rare case for a claimant to submit an irrefutable disability claim. One that would stand up in a court of law, if needed.
Like other recently disabled doctors and dentists, chances are you have considered suspending or deferring the specialty duties of your own occupation just so you can remain active in your practice. Be aware, the insurance company may use this against you.
The video above explains how insurance companies use every tactic they can to argue that claims for long term disability benefits are either undeserved or should be reduced. This occurs often with high-payout claims such as those for medical and dental professionals.
How do you file an LTD insurance appeal?
Our video illustrates just a few examples of denial tactics used by insurance companies to deny long term disability insurance claims. Is there a way you can fight back? Yes – you can challenge the insurer’s claim denial through the disability appeals process.
But there is a catch.