Filing a disability claim is rarely simple, but it’s easier when you have the help of a knowledgeable and experienced attorney. Private disability insurance El Cajon CA providers want you to know you’re protected if something happens, but it’s not always easy to define what makes a successful claim process faster. When you’re left without the ability to work or pay for your lifestyle, you do have options by calling an attorney and learning what’s required of you and what you must know.
You Have A Time Limit
The most important thing to remember about filing a private disability insurance claim is the time limit. Your policy has a time frame in which you must file a claim before it’s no longer possible, but there isn’t a standard time frame. Find your policy information immediately, go through it, and find out how long you must file. Missing your filing deadline is the most common reason insurance agents deny claims without appeal.
Understanding Your Disability
The legal definition of a disability is broad, and it’s one you must speak with your attorney about. The generalized definition of a disability is the inability to perform the duties of your occupation due to injury or illness. You could have a broken arm, or you could have an illness that requires you spend weeks in a hospital bed. If you are unable to work because you have a medical condition, you can file a disability claim with your private insurer.
You Are Limited in Some Instances
If your injury or illness occurs within 90 days from the date your policy becomes effective, you are not able to file a claim. For example, if you decide you’d like a private disability insurance rider and apply for it on January 1, you might wait 90 days until the beginning of April for your coverage to effectively begin. If you’re injured in the middle of March and receive medical treatment for that injury, you cannot file a claim with insurance. Your coverage was not valid at that point, and you will be denied if you attempt to file a claim.
Keep All Medical Evidence
If you’re injured or become ill, keep everything pertaining to your situation. Photos of your injuries, documents that are dated and signed by medical professionals, your boss, or the person who caused your injury, and even police reports if you have them. This documentation goes a long way toward helping your insurance agency approve your claims.
Filling a private disability insurance claim is often overwhelming due to the amount of paperwork you’re required to file in addition to the fine print associated with these claims. Solid, careful documentation and details are helpful, and calling an attorney who has worked with clients in need of private disability insurance claim assistance can help. Your financial future might depend on the approval of this claim, and that’s what you must keep in mind when filing your paperwork. All information must be honest, accurate, and none should be missing.