Many people have trouble with Disability Insurance Claims and rightfully so, as they are complicated and hard to understand. Here is some information that you may not have known.
On the surface, they look easy. However, the disabled insured doesn't know the "language" of claims and therefore, the cards may be stacked against that person from the beginning!
Yes, there are specific time frames involved in every claim.
Yes, under most circumstances, your personal physician is fine. However, you must know the rules!
Depending on the type of disability (total or residual), there are continuing medical and/or financial requirements to submit on a periodic basis!
Video surveillance is one of several investigative tools used, especially when the company feels there is little objective evidence of a serious disability!
They have several investigative tools to use including specifically trained accountants & CPA's to financially evaluate your claim including: Independent Medical Examinations to test the validity of your treatment, Functional Capacity Evaluations to test your degree of disability and Personal Interviews to probe deeply into your life.
If there is a topic not covered here please feel free to contact me!
Call us at (352) 661-3026