When you file a long term disability insurance claim, your disability insurance company will assign a "case manager" to your disability claim. The "case manager" may go by a different title depending on the insurance carrier but he or she will essentially act as a claims adjuster. The case manager will act as your point of contact for the disability insurance company. Initially, the case manager will seem friendly, helpful, and very nice. But don't let your guard down. Case managers are trained to extract information from claimants that will later be used as the basis for denying the claim. When insureds are handling their claim on their own, they have the tendency to get comfortable with their case manager. The reality is that case managers are trained to find reasons to support denials of disability claims, not to help the insured get their long term disability insurance claim approved. Keep in mind that long term disability insurance companies are "for profit" companies and are interested in protecting and increasing their profits, not paying out monthly long term disability insurance benefits.
The best approach to use with case managers is to be thoughtful when answering their questions. Case managers are trained to carefully question claimants on the merits of their disability insurance application. Be truthful but don't answer questions in a rushed or unprepared way. You are likelier to make a mistake and mistate the truth when you are unprepared to answer questions or rushing to answer questions because you are at work, or dealing with your kids, etc. If you are contacted by the case manager on the spur of the moment or at an inconvenient time and are not prepared to answer questions, be courteous and ask the case manager to schedule a more appropriate time. Alternatively, you may obtain his or her direct line so you may contact the case manager at a later time when you are better prepared to answer questions. You will then be better positioned to deal with your case manager and avoid hampering your long term disability insurance claim.
The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability benefits denied, delayed or terminated.
You can reach Miami Long Term Disability Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].