If you suffer a disabling disease or injury that prevents you from engaging in your chosen occupation or working at all, long-term disability insurance can provide crucial benefits.  Unfortunately, many insurance carriers deny disability claims resulting in overwhelming financial hardships for claimants and their families.  

What is the likelihood that you will ever need to file a disability insurance claim?

People tend to underestimate the likelihood they will need to pursue a long-term disability claim.  An average healthy female employee working in an office setting has almost a one in four chance of needing to go on disability during the course of her career for at least three months according to the Council for Disability Awareness.  The risk of a disability claim at some point of a female’s life that last at least five years is almost 4 in 10 according to the same source.  Similarly, a male employee has more than a 20 percent probability of suffering a disability of three months or longer during his working life, and almost the same probability as females of experiencing at least a five year period of disability at some point during his lifetime.

What information should you provide to your long-term disability insurance carrier to further your claim?

An insured has a contractual duty to cooperate with the insurance company's claim investigation and to respond to request for information.  Most individuals with claims should seek legal representation because the information collection process requires close monitoring as any information provided might be used to undermine a legitimate claim.  The insurance company might be entitled to information regarding your employment, medial history, and certain financial information.

How long does the claims process take?

The time required to pursue a disability insurance claim will vary from claim to claim.  The faster you respond to the insurance carrier's request for information, the faster the claims process should proceed.  The initial claims decision should be made within a couple of months of a claim being filed.  

You can reach Miami 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 Attorney Gonzalez-Sirgo directly at [email protected].

J.P. Gonzalez-Sirgo
J.P. Gonzalez-Sirgo, P.A.
Post A Comment