Your Personal Injury, Workers' Comp, Disability and Family Law Concerns Put to Rest
Even a minor accident can cause physical and financial confusion, worries, and setbacks. Allow us to help answer your questions and put your concerns to bed, so you can focus on your recovery. Why wait any longer to get the answers you need? Click here and see how our knowledge, advice, and experience can help you.
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I heard that some insurance companies consider pregnancy as a disabling condition. Is that true?
Some insurance policies pay benefits for women who are out of work due to pregnancy. There might be limits on the amount and length of benefits, so the best advice is to read your policy to know when and how to apply.
I broke my leg, am out of work, and won't be back to work for about 2 months. Can I file a claim?
It depends. If your disability insurance policy states you can claim benefits in this situation, then go ahead and apply. However, a lot of policies require the disability to be long-term, or generally lasting over 6 months.
Can I appeal a denied insurance claim?
When you disagree with an insurance company's decision on your claim, you can try to negotiate with them. An insurance dispute attorney can help this process be much faster and more effective. There are loopholes and a lot of paperwork and jargon that insurance adjustors use. An attorney knows how to avoid this hassle and get you benefits as soon as possible.
Are employers required to provide disability insurance?
No. Employers are not required to provide disability insurance plans for their employees. However, once a plan is established, the Employee Retirement Income Security Act (ERISA) regulates the plans to protect employees from losing the money they've invested.
Can I get Social Security Disability and benefits from my insurance company at the same time?
Yes, at least under the Social Security Administration's rules. The SSA allows people receiving disability benefits to also receive benefits from private disability insurance policies. Your disability policy might have a clause that doesn't allow you to collect benefits under both programs, so make sure that you read your policy.
How long does it take to get benefits from a disability insurance carrier?
Each policy has a waiting period for those insured to claim benefits. For example, you may have to wait 90 days from the day you start paying premiums to receive benefits if you become disabled. Read your specific policy to know how long your waiting period is.
What do I need in order to file a claim?
You'll need proof of your disability in order to file a successful disability claim. This means that doctor's records, treatment verification, prescriptions, and other medical documentation should be submitted along with your claim form. If your carrier requests or requires more information or paperwork, submit that as soon as you can to begin receiving benefits.
How can I get disability insurance?
You can get disability insurance through a personal policy or through a group plan at your workplace. Depending on your needs, you can configure a plan to your price range and preferences.
What happens if my employer goes bankrupt or my job is terminated?
New laws made organized retirement plans exempt property during a business's bankruptcy proceedings. This means that employees of a business filing for bankruptcy won't have their plans completely wiped out. The Pension Benefit Guaranty Corporation is a federal government corporation that insures plans and backs up funds in case they are wiped out.
How long does a claim take to process/be resolved?
That depends on what type of insurance claim you are dealing with and how many benefits you're pursuing. From the time you are first denied a benefit, there are many appeals you have to go through. It can be months until the claim reaches the Department of Labor level.