Long Term Disability
Most insurance plans offer coverage for long-term disability, which protects injured people who are no longer able to perform work. However, many insurance providers will arbitrarily deny claims, leaving the disabled worker unable to earn a living without a source of income.
If you have been unfairly denied long term disability benefits you should contact a personal injury attorney with experience in insurance laws, who will fight for your rights in your time of need. Aitken * Aitken * Cohn is a leading law firm, helping people who have been denied long-term disability benefits in Riverside and beyond.
Types of Long Term Disability Coverage
If unable to work for an extended period of time, people can receive long-term disability benefits. Disability insurance may have been purchased independently which covers expenses such as lost wages, rent, food, etc. However, most people are counting on the policy provided by their employer.
Social Security Disability may also be provided to eligible people who are no longer able to work. It differs from workers comp in that workers comp pays you if you are unable to perform your job, while social security only pays if you are unable to work any job.
Reasons Claims are Denied
Insurance providers will use a variety of excuses when denying claims, including the following:
- No objective findings — If your disability can’t be verified by medical testing, such as X-rays or MRI, it may be denied; self-reported claims that often can’t be verified include headaches, dizziness or fatigue.
- Not under care of physician — Most plans require that you are receiving regular care from a physician. Insurance providers often deny claims by arguing over what constitutes “regular? care and which physicians are acceptable.
- Not receiving appropriate treatment — A policy may require “appropriate treatment? exclusions. Insurance providers sometimes attempt to dictate medical care, even if it goes against your treating physician.
- Pre-existing condition — Claims are often denied when insurance providers discover that you have been treated for the same or similar condition in the past. Specific rules may differ depending on the policy.
Contact Aitken * Aitken * Cohn
If you have had your long term disability benefits denied, contact an experienced Riverside insurance laws lawyer at Aitken * Aitken * Cohn. Insurance providers are obligated to honor the coverage that is stated in your policy. The process can be confusing and complicated.
To get the help you need, please contact our law firm today.