How Do I File A Disability Claim?
If you are considering filing a disability claim against your insurance company, follow the list below, and give yourself the best shot at an approved disability claim!
Filing A Disability Claim
- Make sure you file the claim in a timely manner to avoid missing deadlines and the Statute of Limitations
- Keep records of everything related to your disability case
- Take notes of your conversations with the insurance companies and your medical professionals
- Be honest with your doctor and when filing your claim – fraudulent or exaggerated claims can backfire on you, and can even mean serious criminal charges
- Read through your insurance policy – familiarize yourself with the part of your policy that dictates the proper procedure for filing a claim
- Be prepared to discuss every aspect of your claim
- Provide your experienced disability lawyer with the proper documentation of:
- Your insurance contract
- A complete medical history document, including doctor diagnoses, specialists visited, major test results, specific timeline of condition, and medications taken
- All correspondence from the insurance company and your employer
- Thoroughly review everything given to you by the insurance companies – it could potentially be used against you during your case
- Be aware that active participation in public might be construed as proof that you are not disabled – the insurance companies may document this, even with video, and may use this against you
- File more than one claim at a time if you are disabled in more than one way – the insurance companies may tell you that you can only file one claim at a time but your policy covers your entire body and potentially all the ways it can be disabled
- Try to continue working as normal – by opting for fewer working hours because of your disability, you may be inadvertently giving up your disability benefits
- Remember that you should never settle for less than you deserve
Contact Share Lawyers in the event that your claim is denied – after your claim has been denied or terminated, the earlier a lawyer is involved, the better your chances are of getting maximum benefits
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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.