Why Utilize Disability Insurance Advocates?
The primary reason for using Disability Insurance Advocates to help you fight for your disability benefits is simple…
Long term disability insurance companies rely on the fact that you have likely never read your disability policy. They know that you are probably not familiar with the rules and procedures of the claim process, and this may limit your ability to successfully obtain benefits for which you may be eligible. The drive for profit by insurance companies can often cause the claim resolution process to be riddled with barriers such as rigid timelines, extensive medical investigations, complex earnings calculations, and other red tape.
You and/or your employer have paid premiums to the insurance company so that these benefits would be available to you when you needed them, and the staff of Disability Insurance Advocates believes you deserve someone in your corner that is familiar with the rules and proper procedures and can help you avoid the potential pitfalls in the process. When you are sick and cannot work, these pitfalls are more than just an annoyance. They can lead to delay or even denial of your much needed benefit checks. Our extensive experience working, both clinically and for many of the largest disability insurance carriers in the country, has provided us with the knowledge and experience that we can put to work for you. We at Disability Insurance Advocates have chosen to no longer be part of the problem, but to be part of the solution.
As you may have seen in the news, or heard from people you know who have tried to apply for long term disability benefits, disability insurance companies are notorious for the tactics they employ when handling disability claims. These tactics often push applicants seeking benefits to the end of their rope, both emotionally and financially.
Unlike Social Security Disability, which is federally mandated and overseen, companies that provide group and individual disability coverage are private, and therefore have more discretion in making decisions on disability claims. As private companies, disability insurance carriers are in business to make a profit. Logically, paying fewer claims means more profit, and the goal of the insurance company is just that… profit.
Insurance companies utilize many tactics to ensure that they pay the fewest claims possible. One tactic insurance companies frequently employ when deciding claims relates to "mental nervous" diagnoses. Many long term disability policies put a cap on the amount of time for which you can receive long term disability benefits (usually around 24 months) on the basis of a mental impairment. In some cases, disability carriers may even attempt to classify an individual's condition as mental versus physical simply to avoid paying long term disability benefits beyond a two-year time frame. By having the trained and fully licensed registered nurses of Disability Insurance Advocates on staff and on your side, you can be sure that your disability will be classified correctly and that you will receive all benefits you are eligible for.
Your doctors, physical therapists, psychiatrists, and other medical care providers are experts when it comes to treating your medical conditions. However, they are not always knowledgeable about completing insurance company forms. In some cases, they may provide information to your insurance company thinking they are acting in your best interest. However, the insurance company may manipulate this information in order to justify an adverse claim decision. As your advocate, Disability Insurance Advocates can speak with your medical providers to ensure that the documentation and information they provide completely and accurately portrays your unique medical condition and functional limitations.
Sadly, disability insurance companies know that by utilizing these tactics, they cause most individuals applying for disability benefits to give up and no longer continue to fight the insurance company in pursuit of the benefits to which they are entitled. Too often, this is because they just do not know how.
This is why you need someone on your side to ensure that your claim gets the attention it deserves. Utilizing Disability Insurance Advocates will ensure that your long term disability carrier thoroughly evaluates your claim and gives the proper and fair consideration you deserve. Your disability carrier may think they can deter your claim by using tactics like those described above, but not with Disability Insurance Advocates on your side. The staff of Disability Insurance Advocates will monitor the handling of your claim from submission of your claim packet through the decision process. We will be in frequent contact with your claim examiner to ensure that the insurance company does not put up any unnecessary roadblocks on your way to receiving the disability benefits you deserve. By having a team of professionals on your side like Disability Insurance Advocates, your insurance company knows you mean business.
Often the most difficult diagnoses to validate as disabling are so-called "subjective diagnoses" such as fibromyalgia and chronic fatigue syndrome. We know your symptoms are real and will work with you and your physician to prove that to your disability insurance carrier.
Too frequently, people applying for disability benefits
become discouraged and turn to high priced attorneys to help them through
the claim process. We offer the expertise of having handled these claims
for years and the knowledge of what the insurance examiners evaluating your
claim are looking for. We can assist you while taking much less of your
much needed disability benefit income. There is no cost to you until you
successfully obtain benefits.
