What are some mistakes that may be avoided by hiring a disability insurance attorney?
The application process can be complicated and involves preparing the written application, answering the claim adjuster’s questions, attending an interview with an insurance company representative, working with the attending physician and responding to surveillance are each significant aspects of the process. Without guidance, an insured person can inadvertently provide the insurance company with the means to delay or deny a claim. The attending physician’s form, when not completed properly, is often used by the insurance company to deny claims. An attorney can work with the physician to help him or her understand what is meant by the term “disabled” under the particular policy and the specific information being sought by the carrier. Insurance companies often rely on independent medical examinations (IMEs) or functional capacity examinations (FCEs) to better understand the Insured’s disability. The doctor or physical therapist performing the examination is hired by the insurance carri
