As a medical professional, you may choose to purchase your own insurance coverage, including long term disability insurance. While having this coverage is always a good idea, obtaining benefits under your LTD plan may prove to be more difficult than you actually expect; many insurance companies deny claims simply because they don’t want to pay them. Unfortunately, individuals who fund their own long term disability coverage may encounter increased challenges as insurance companies are more likely to deny your claim due to your lack of employer backing.
At the law office of Burke Harvey, LLC, we understand the long term disability program. We also understand how important your long term disability benefits can be when you are unable to work. With more than 50 years of combined experience, much of it spent helping injured or disabled clients, UNUM physician and nurse LTD lawyers have the skills and knowledge needed to help you pursue the benefits you are entitled to under your long term disability plan.
Working closely with you, your doctor and your accountant, our disability claims lawyers will help you complete the many steps involved in filing a claim or appealing a denied LTD claim, including:
- Gathering all necessary documentation: Missing information or documentation is one of the most common reasons insurance companies deny claims. Unfortunately, when you are injured or disabled, gathering the necessary information can be incredibly difficult. Our staff has the knowledge needed to help you understand what documentation is required of you and will carefully help you gather the necessary paperwork, medical bills and account statements needed to satisfy the insurance company’s requirements.
- Completing the required paperwork: Insurance companies seem to make their claims paperwork difficult to read and understand. With so many vague questions to answer, and no employer or human resources department to turn to for help, completing the required application can be a nightmare. Our staff has assisted countless clients in completing the required paperwork, and will help you complete your claim in a manner that offers you the best chance of successfully obtaining benefits.
- Addressing a claim denial: Unfortunately, even the most complete and detailed claims can be denied by your insurance company. A denial is not the end of your pursuit of benefits, however, as you have the right to file a number of internal appeals with the insurer. Our staff will help you address the reason for your denial and provide any further information or documentation the insurance company requires. If your insurer refuses to approve your claim despite clear evidence of your qualification for benefits, you may need to file a lawsuit under the ERISA act, a step that includes having your case reviewed by a federal judge. We have represented countless clients in ERISA suits, allowing us to offer the guidance you need to prepare your claim for review.
If you are an optometrist, doctor or nurse who pays for your own long term disability insurance, you probably have a lot of questions regarding your initial claim or filing an appeal of a denied claim. Contact our office online or call (205) 881-0555 to schedule a free consultation to discuss your case with one of our experienced UNUM LTD attorneys today.
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