Continuing Disability Claim Coverage
Getting on claim is not the end of the disability insurance process. Insureds have a duty to provide ongoing proof of loss to the insurance company, often on a monthly basis. Staying on claim entails the monthly submission of forms, treating physician’s statements, personal statements and medical reports, any detail of which could be interpreted by the insurer as a reason to rescind benefits. We advise clients on the completion of claim forms and statements as well as consult with treating physicians to make sure that every submission to the insurance company is accurate, complete, and unambiguous.
We maintain a risk-management relationship with clients to ensure that their disability insurance benefits remain protected. The highest likelihood that an insured’s disability benefits will be terminated exists in the first two years after a claim is approved, during which time insurers often amplify their efforts to find reasons for rescission. After a claim is approved, insurance companies are likely to hyper-analyze medical records, re-interview physicians, and increase video and internet surveillance efforts. Once a disability insurance claim is approved, we continue to monitor and communicate with the insurance company to make certain that legitimate benefits continue.
Disability insurance carriers often make the claim process as daunting as possible. None of the problems is insurmountable; however, they are certainly difficult to tackle alone. When faced with a possible disability insurance claim, insureds should consult an attorney experienced in this area of the law so that they can maintain control of their financial future. Edward O. Comitz and the attorneys of Comitz | Beethe have earned a national reputation for prosecuting claims on behalf of individuals based on fraud and unfair business practices in the disability insurance and healthcare industries. For more information on our qualifications, see our Attorney Profiles.
Contact our office online or call 480.998.7800 to speak with attorney Edward O. Comitz about your disability insurance claim.