When you file a long term disability insurance claim, your disability insurance company will assign a "case manager" to your disability claim. The case manger will act as your point of contact for the disability insurance company. Initially, the case manager will be friendly, helpful and seem very nice. Don't be fooled. Case managers are trained to extract information from claimants that will later be used against you when denying your claim. When filing alone, claimants have the tendency to get comfortable with their case manager. The reality is that case managers are trained to find reasons to deny your disability claim, not help you get your disability claim approved. Remember, disability insurance companies are interested in protecting and increasing their profits, not paying out monthly disability insurance benefits.
The best approach to use with case managers is to think carefully before answering their questions. Case managers are trained to carefully question claimants on the merits of their disability application. If you are contacted by the case manager on the spur of the moment and are not prepared to answer questions, be courteous and ask the case manager to contact you at 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.
By following this advice, you will be better positioned to deal with your case manager and avoid hampering your disability 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 irrespective of whether the policy was purchased individually or issued through an employer group policy. The firm is available to assist individuals with the initial application process, during the administrative appeals process, handling denials of claims or termination of benefits, litigation in state or federal court, and negotiating a one-time lump sum settlement or buy-out. Please contact our office to discuss your case in more detail.