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Apr 6, 2018

Dealing With Disability Income Insurance Companies

The disability income that you receive is what pays your bills. It’s the money that supports yourself and your family. There are various reasons as to why you might receive disability benefits, such as being injured at work or being unable to work because of an illness that essentially changes your life. These illnesses include cancer and congestive heart failure. An insurance company is supposed to offer support to its customers. However, disability insurance companies often want to provide the least amount of money possible and are often worried about their business instead of ensuring that you are able to support your family.

It’s no secret that many people who try to get disability benefits have to file an appeal. Insurance companies want to make the process as difficult as possible, which is why it’s best to seek the assistance of an attorney when you begin the filing process. Most companies will deny benefits without knowing anything about your medical history or bothering to read anything that the doctor has written about your claim. They will sometimes delay paying out benefits that have been approved. While this could mean more money at one time, it often means that you are stuck in limbo waiting for a check to arrive when you need money. There are some insurance companies that will limit the number of payments made or negate the benefits that have already been awarded altogether. When you’re dealing with a disability, you don’t need the added stress of dealing with an insurance company that doesn’t have your best interests in mind.

An attorney who works with disability claims understands that tactics that some companies use and can fight against the company to get you the benefits that you deserve. When you understand that rights that you have, it makes better sense as to why you should fight for your rights and why you don’t need to stand aside and let the insurance company win. An attorney can investigate the reasons behind why the insurance company made its decisions and whether the company has made similar decisions in the past.

There are laws in place that allow insurance companies to investigate any claim that is filed. However, that doesn’t mean that it should take the longest time that is given. According to Todd Spodek, an attorney can send notifications to the insurance company to settle the claim and to find out why the company is taking so long reviewing documents that are filed about your disability. A benefit of hiring an attorney is that doctors and other witnesses can be called on your behalf to speak about your life before and after your disability and how it has impacted your personal life. In the event that the insurance company does not make a decision about the claim within a time frame that is seen as reasonable, then the claim is often denied. This is one of the common tactics that insurance companies use to keep from paying money to those who deserve the funds. Instead of accepting any kind of defeat, contact an attorney who can offer assistance that you deserve.

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Manhattan

85 Broad Street, 30th Floor
New York, NY 10005

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Queens

35-37 36th St,
Astoria, NY 11106

Phone

888-977-6335

Brooklyn

195 Montague St.
14th Floor,
Brooklyn, NY 11201

Phone

888-977-6335