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Disability Claim: Insurers
built 613 days ago
If you have a disability claim, you should contact an attorney right away. Disability law is complex, with definitions that can vary widely from one insurer to the next. Almost all claims ... have a statute of limitations, so if you fail to act promptly, you might lose your rights to disability payments. You should also contact an attorney if you've filed a claim but have not received a timely response.
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Professional disability insurers have been found liable for denying coverage on claims brought by disabled professionals. In the 1970s and 1980s some of these insurers grossly oversold disability policies to younger professionals, anticipating that few claims would mount from this low risk population. However as the policyholders aged and professionals became disabled, the claims mounted steadily. Some of the companies decided to cope by unfairly denying claims to cut their losses.
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To validate your claim, most disability income insurance policies expressly reserve the right of the insurer to conduct what are often called “independent medical examinations” (“IME”). Read your policy to determine if you are required to submit to an IME.
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This course provides an in-depth review of the most important elements in assessing an insurer or TPA's Disability claim adjudication capabilities. Participants will use the job aid "14 Questions you should ask your Disability Claims Payer". Job aid is included.
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