Long term disability insurance policies are often contentious, because when you make a claim for a long term disability you are basically asking your insurance company to pay you a large amount of money every month for years. On your insurers side, this adds a very large debit to their financial balance sheet. So, they look for ways to decrease this large “loss.”
Every insurer is a little different, but there are two primary ways they try to decrease your benefits. One, they try to deny your claim entirely. This is typically achieved by either denying you are disabled at all and questioning your illness or injury, or finding a clause in your policy that applies and negates your benefits (i.e. Mental illnesses are not covered and one of your disabling conditions is depression).
Two, if they decide your claim is valid, they try to decrease the amount paid every month or find ways to pay for a few months or years and then deny the claim.
If you have been denied your long term disability benefits, contact Defever Law for assistance. We have years of experience successfully representing the disabled and obtaining their rightful insurance benefits. We can also provide advice on your social security disability claim.
Short term disability insurance claims are not denied as readily as long term, most likely because they cost your insurance company less money than the long term payments. However, insurers still attempt to decrease your monthly short term payments, and this can have a severely negative affect on your life. To the insurance company, it is “limiting the loss,” but to you, it makes the difference between whether or not you can pay for your needed medications or afford all of your groceries. At Defever Law, we help you fight back.