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Many people don't give a lot of thought to the process of applying for disability insurance benefits when they are too injured or ill to work. They have an injury or illness that keeps them from performing their job, and their physician will attest to that. That should be enough to get the insurance company to pay their benefits, right?

Unfortunately, it can be a lot more complicated than that, and many insurance companies will use anything you tell them, whether verbally or in writing, to deny the claim or at least delay payment for as long as possible. That's why everything that you tell any claims adjustor or anything that you put in writing to the insurance company at any point throughout the process should be carefully considered.

It's essential to understand the terms of your disability insurance policy before you even begin the claims process. For example, some insurers will not pay benefits unless you are unable to perform the duties required of your "own occupation." That may seem simple enough to prove. However, exactly what those duties are and whether you were actually performing them at the time that your disability occurred can be open to question.

Many people don't seek help from a disability law firm until their claims have been repeatedly delayed or denied. However, if you seek legal advice at the beginning of the process, you may be able to start receiving your benefits sooner and save yourself the time and headaches of having to fight with the insurance company while you should be focused on healing.

Source: Dentistry IQ, "A successful disability insurance claim for dentists begins with application for benefits," Mindy Chmielarz, Esq, accessed Feb. 05, 2016

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