Insurance companies regularly deny claims to those who may otherwise be entitled to long-term Long-Term Disability benefits. Often individuals are advised not to hire a lawyer, but instead, to appeal through the insurance companies’ own internal appeal processes – all to lead to claims being denied.
When employees can no longer work at their own occupation for a period longer than six (6) months due to a disability, they may be entitled to compensation to substitute a portion of their earnings for that period.
After twenty-four (24) months, if employees are unable to return to their own occupation, they are expected to find employment in any occupation. This is another period in which claims are often denied.
Insurance companies expect the insured to obtain employment in any position in order to earn a living – denying in the process that the disabilities prevent you from in fact working.
Long-term benefits extend beyond the two (2) year period to those living with disabilities who cannot work at any occupation.
Taking on insurance companies is daunting and risky.
If you believe you are owed long-term disability benefits from your insurance company, Achkar Law helps you get what you are entitled to.
Insurance providers, individually or through your office representative, often try to deny disability payments to their employees. Do not fall victim to intimidation, contact experienced lawyers who can help navigate through those difficult times.