Domestic violence was a part of my family's life for years. When I made the decision to leave with my children, I had to rely on the law to provide the protection we needed. Sometimes, the system does not work as fast as we want. I soon learned that going at it alone without any guidance caused significant delays. I created this blog to help others who are seeking legal means to deal with an abusive ex. By making the right moves, it is possible to get the necessary protections in place so that you can also live a happier and healthier life.
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If you have filed a claim for long-term disability benefits, it's important that you recognize the signs that your insurance company is resisting approving it. In many situations, this resistance is a key indicator that it's time to retain a long-term disability attorney from a firm like Iler and Iler to help you with your case. Here are a few signs you should watch out for that indicate you should be talking with an attorney right away.
Is Your Claims Adjuster Saying You Should Be Working?
Your claims adjuster is the representative from the insurance company that's reviewing your claim. In some cases, these adjusters will try to pressure claimants into going back to work, even if they aren't really fit to do so.
If your claims adjuster is calling you repeatedly and has been telling you that you really should be working or that you're capable of working, that's a key indication that they are trying to find a reason to dismiss your claim. You'll want to reach out to an attorney right away to serve as the primary contact for your case so that you can eliminate the unnecessary pressure your adjuster is putting on you.
Are You Under Surveillance By The Insurance Company?
When reviewing disability claims, many insurance companies will hire private investigators to monitor claimants. These investigators might follow you, observe your activities, take pictures, and follow your online activities.
The hope is to catch you doing something that your claimed disability would preclude you from being able to do. This would give them grounds to dismiss your case on the belief that you truly aren't as disabled as you are claiming to be.
If you've noticed someone around a lot or you see someone who seems to be following you, talk with a long-term disability attorney right away. He or she can guide you on the best practices and help you facilitate your claim.
Have You Been Asked To Attend Multiple Evaluations?
Most disability insurance companies have their own medical evaluators that they send claimants to when they are filing for disability. Unfortunately, these evaluators are not independent. They work for the insurance company.
If you've received requests from the insurance company to attend multiple evaluations, you need to reach out to an attorney as soon as possible. The insurance company could be sending you to multiple people in the effort to get documentation that rules in their favor.
Your attorney can pursue your legal right to an independent evaluation, helping you to get the benefits that you deserve.
Was Your Doctor Interviewed Over The Phone?
The insurance company will need diagnosis and treatment information from your doctor to effectively evaluate your claim. Usually, this is done by requesting your records and sending your doctor a disability evaluation form to fill out.
However, sometimes insurance company nurses will simply call and discuss the situation with your doctor, conducting an interview over the phone. This can hurt your case in several ways. For example, if the nurse mischaracterizes some of the things that your doctor said and then transcribes them incorrectly or asks leading questions that don't work in your favor, this can lead to a denial.
Your long-term disability attorney can ensure that all of the medical information is gathered correctly and without prejudice against your case. You should reach out to someone as soon as you know that you will be filing a claim. However, if you've already filed, seeing any of these signs will mean that you should call an attorney right away. These things indicate that the insurance company may be trying to deny your disability claim, so you need legal support to help protect your interests.
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