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Disability claims are filed when an insured individual is unable to work as a result of a debilitating physical or mental condition, and is looking to collect payments from the insurance company who carries their disability policy. While the insurance carrier is required by federal law to compensate the individual, they also can deny claims, basing their decision on a variety of factors.
Insurance companies are known to deny claims on technicalities, even if the individual is severely disabled. For example, insurance carriers will use their own private investigators and medical consultants to review the claim contract, hoping to find any example of an illness or injury that the individual failed to acknowledge when originally acquiring the disability insurance policy. Furthermore, insurance companies will deny claims that are not filed within a certain time period of the injury or illness diagnosis.
Laws are in place that protect injured and disabled workers, but unfortunately, employers and insurance carriers alike continue to use complex legal language and unsavory investigatory practices to their advantage; denying employees the benefits they are entitled to. Attempting to confront insurance companies without legal aid can be an extremely difficult and emotionally trying process. Anyone who chooses to pursue legal action against insurance agencies regarding their employee benefits should discuss their situation with qualified and experienced legal counsel immediately.
