Recognizing the Red Flags: When Your Long Term Disability Insurance Company Might Deny Your Benefits
Once people are approved for disability benefits, they assume they will continue receiving these much-needed benefits every month without interruption. The reality is the insurance companies are always looking for ways to deny paying benefits because it saves them money.
With our free claim review and monitoring service, we can help you spot potential problems before they become major hurdles, ultimately preventing a denial of your benefits. Secure your future today with Fields Law Firm, where protecting your benefits is our priority.
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There are common signs that suggest you might be at risk of losing your Long Term Disability benefits. Here are the top ten red flags that should alert you to call Fields Law right away:
1. Medical Updates and Reviews: If your insurance company requests a medical update or sends your case for a clinical review, they might be scrutinizing the continuing validity of your claim.
2. Change of Case Management: An unexpected change in case management, such as a new adjuster assigned to your case, often precedes a claim review.
3. Inadequate Medical Evidence: Insurers may claim that your current medical records are not enough, suggesting they’re reevaluating the severity of your condition.
4. Reaching the Policy Change Mark: As you near the two-year mark, your policy often changes from covering your own occupation to any occupation. Insurers might use this as an opportunity to reassess your claim.
5. Requests for Additional Information: If your insurer is persistently asking for more financial documents, medical authorizations, or other information, they might be looking for reasons to deny your claim.
6. Increased Communication or Surveillance: If you notice increased communication, attempts to set up interviews, or even surveillance, your insurer may be investigating your claim more closely.
7. Delayed Payments or Unexpected Settlement Offers: These could be strategies to manage costs at your expense.
8. Changes in Rapport: If the rapport with your insurance adjuster shifts from friendly to standoffish or negative, it could be a sign of changing attitudes towards your claim.
9. Consultation with Previous Doctors: If they reach out to older doctors you no longer treat with, they might be trying to contest current medical findings.
10. Harassment or Non-Responsiveness: These could indicate that your insurance company is not acting in your best interest.
Encountering one or more of these red flags doesn’t necessarily mean that your claim will be denied. However, it’s a clear signal that you should consult with a disability attorney to safeguard your rights and benefits. Don’t wait for problems to arise – take action today with Fields Law Firm.
