How To File A Disability Insurance Claim: Avoiding Common Obstacles

You’ve worked your whole career, but you end up not able to practice your profession due to a physical or mental handicap. You are not alone. In fact, some figures indicate that a person inside their mid-thirties has a 50:50 chance of having an illness which prevents them from working for at least three months before they retire. One out of seven workers will become disabled for a period of over five years.

Luckily, you’re wise enough to purchase disability insurance to offset the danger that you would become handicapped. Regrettably, however, disability insurance businesses have developed a sophisticated system to maximize profits and avoid paying your claim, regardless of the merits of your ailment. How can you avoid having 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 correctly following the terms of complicated policies drafted by insurance companies;
  • Recognizing, avoiding, and dealing with insurance companies’ attempts to wear out claimants by delaying the claim process;
  • Ensuring that treating doctors take the time and effort to document the handicap satisfactorily and in a Way, That’s beneficial to your claim;
  • Avoiding insurance companies’ attempts to utilize out-of-context secret surveillance as a foundation for denying or approving your disability insurance claim;
  • Ensuring independent medical and psychological evaluations are conducted appropriately, fairly, and without risking harm;
  • Struggling insurance companies’ efforts to terminate or deny disability insurance claims simply because the symptoms of your illness are subjective or self-reported;
  • Overcoming the large number of other techniques and resources that insurance companies have developed to engineer a basis for denying legitimate disability insurance claims as their main objective is profit.

Complex and Confusing Insurance Policy Language

The language of each insurance policy is complicated and perplexing, drafted by attorneys and insurance company workers with an eye towards protecting their own interests. Denying or when denying a claim, insurance companies capitalize on the intricacy of the policies at the cost of the insured. The truth is that there is not any”standard” insurance coverage contract, and the provisions differ radically from policy to policy, where coverage is usually circumscribed and restricted with different qualifying phrases and words. In order to conquer the insurance companies efforts to use jargon and legalese to avoid paying claims, it’s essential that a claimant understand the particular definitions of the major phrases and terms from the policy, and also the ambiguities in those words. When words or phrases are either ambiguous or their significance is not clear, courts will construe the meaning of these terms against the drafter (the insurance company) and in favor of the other party (the plaintiff ). Possessing a thorough understanding of your coverage speech may be the most important step in filing your disability insurance claim. Halifax Personal Injury & Disability Insurance Lawyers | NOVA Injury Law

Efforts To Rip The Claim Process

Among 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 raise the attrition rate of claimants, such that legally disabled individuals will just give up This manner. But, insurance companies have a legal responsibility to make decisions that are prompt, and also a claimant tolerates undue delays. NOVA Injury

Working With Your Treating Physician

Perhaps the most significant facet of a successful disability claim is the medical documentation of your disability. Many physicians are extremely busy, and may not always spend some time to write reports of your condition. It’s typical for physicians to boiler-plate descriptive terminology into office trip notes which is really inaccurate or untrue. In a hurry, a doctor’s office visit notice could include phrases that apply to the majority of patients, but that is 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,” when in actuality, the objective of your appointment was to treat your chronic back pain that is preventing you from functioning.

Additionally, based on your connection, they may have no interest in devoting time to your disability insurance claim. Beautifully discussing your condition with a compassionate is vital to get. Halifax Personal Injury & Disability Insurance Lawyers | NOVA Injury Law


After you file your disability insurance claim, it is very likely that you will be secretly videotaped or photographed by your insurance carrier during their investigation of your claim. If they can document you participating in activities that you claimed you could not work, they will use this evidence as a basis to terminate your claim. It’s also not uncommon into your treating physicians in an effort convince your doctor to create and to sour your connection or for insurance carriers to send these videos. It’s important to be recognizing these videos might be misconstrued to attain the goals of the insurance company.

Independent Medical Examinations

Insurance companies frequently ask disability insurance claimants to submit to an”individual” medical exam performed by a doctor chosen and paid by your insurance carrier. Apparently, this creates a conflict of interest, in which the doctor evaluating your handicap has an incentive. You may also be requested to undergo examinations. All these exams can be even painful or dangerous and stressful. It is not uncommon for portions of the exam to add sensitive or lengthy diagnostic evaluations. Of course, the principal goal of these examinations is usually not to diagnose your situation. These exams are just another instrument terminate or insurance companies use to refuse your claim. For that reason, it is essential to be aware of your rights.

Subjective Requirements and Self-Reported Symptoms

Probably the most common ailments for which insurance carriers may deny disability insurance benefits are such where the indicators or the seriousness of symptoms are subjective or not objectively measurable. By way of instance, chronic back pain, neck pain, rheumatoid arthritis, and depression, are all conditions where the seriousness of the illness could not be possible to measure, besides with subjective statements in the individual, and verifiable signs may simply be too difficult to acquire. Nonetheless, insurance companies may deny claims for a lack of proof of the condition, capitalizing on the absence of evidence. In many cases, a provision that requires an insured to provide evidence of their disability is not contained by the insurance policy’s details. Where the symptoms are verifiable to understand the real provisions and terms of the insurance contract it is absolutely necessary for a claimant with a condition.