You submit your application. Your claim is accepted by your insurance company. You begin receiving benefits. Be aware that this is not the end of the road. Any number of issues can arise on a month-to-month basis that could put your benefits in jeopardy. DarrasLaw, America’s top disability firm, is here to assist with these issues.
Are You Ready to Go Back to Work?
When conflicts arise between insurance companies and policyholders, the underlying theme is that insurance companies do not want to pay benefits any longer. How do they stop? By claiming that you are ready to go back to work. While every policy is different and every insurance company has its own tactics, issues that commonly arise include:
- Attending physician’s statement
- Independent medical examination (IME)
- Functional capacity evaluations (FCE)
- Field visits and claimant interviews
- Surveillance videos and investigations
When you are presented with any of these hurdles, you should contact our lawyers. We have more than 100 years of experience. We understand the steps that insurance companies will take to avoid paying benefits. More important, we understand the steps you need to take in order to keep getting the benefits that you have paid for.
The Definition of Disability and Benefit Limitations
With many insurance policies, disability is defined differently at the onset than it is further down the road. The definition may change after 24 months, 10 years or some other time period. Without any changes in your condition, you may suddenly find that you no longer meet the insurance company’s definition of disabled. It will attempt to cut your benefits off.
Many insurance policies also contain benefit limitations, particularly when it comes to mental and nervous disabilities and self-reported conditions. Benefits for these conditions may cut off after a certain period of time, often two years. At DarrasLaw, we can handle any of these issues.