Purchasing disability insurance is always a wise move, especially if you have a job that requires physical labor, working around machinery and chemicals, or driving company vehicles. Workers’ compensation claims and personal injury lawsuits may not always guarantee you receive the compensation needed to replace lost wages following an on-the-job accident.
Disability policies can also secure you against suffering financial difficulties after you fall or get hurt at home, get sick or become a victim to someone else’s negligence or recklessness. Paying monthly premiums on a long-term and/or short-term disability insurance policy can provide peace of mind for you and your family should you lose the ability to work or to continue earning the salary you previously did.
Keep in mind, though, that disability insurance payments only replace wages. You cannot count on such a policy to cover medical expenses, nursing home costs, emotional suffering, mental health care or rehabilitative services. Still, monthly or lump-sum disability payments can mean the difference between struggling to keep a roof over your head and having the financial security to attend to your health while enjoying your life with loved ones.
But what happens when the company that issued your disability policy decides not to pay on your claim? Denial of disability claims happens more often than most insurers would care to admit. The Cleveland short & long term disability lawyers with Agee Clymer Mitchell and Portman have heard just about every reason an insurance company representative can give for refusing to honor claims.
The complex language of insurance contracts give companies many opportunities to make their case for not paying claims, ranging from the location of the accident that disabled the policyholder to the health status of the person making the claim. For instance, a company may argue that a smoker’s debilitating lung disease cannot be linked to a coverable incident–the preexistent condition loophole. Other reasons short- and long-term disability claims get turned down include:
Successfully appealing a denied disability claims requires compiling extensive medical evidence, producing a thorough life history, and bringing to bear the kind of legal expertise, time, dedication and willingness to fight many people cannot muster or sustain without assistance. This is where an Agee Clymer Mitchell and Portman attorney can prove invaluable to you as you seek disability insurance payments.
Insurers sometimes appear to unnecessarily complicate and drag out claim denial appeals processes in the hopes that people seeking short- or long-term disability payouts will give up in frustration. When stall tactics do not work, insurers may seek to discredit experts supporting disability people’s claims. Another tactic is to offer a low settlement amount in order to entice disabled policyholders to stop requesting all they may be entitled to receive.
Standing up to an insurance company is difficult, time-consuming and discouraging. You need an advocate who knows how to cut through insurers’ red tape and break through the obstacles the company will put in your way in an effort to deny you the payments you are due. Before accepting an insurance claim denial or a low-ball settlement simply because continuing to insist on your rights seems like too much trouble, contact one of our Cleveland short-term disability attorneys or long-term disability lawyers for a free consultation. We can answer your questions even if we do not take your case.
You deserve a champion. Let an Agee Clymer Mitchell and Portman social security disability attorney be yours.