Cancellation of Disability Benefits Due To Insurance “Change In Definition”
Being Disabled Does Not Mean You Will Automatically Get Your Disability Benefits Without A Fight
The attorneys at the Los Angeles area law firm of Donahue & Horrow LLP, are available to you to assist with claim preparation questions and monitoring insurance claims through the process, even before a disability claim is denied.
San Bernardino Disability Insurance Claims Lawyers
You might think that simply being disabled entitles you to disability benefits, but most initial applications for disability insurance claims are denied. Even if your own doctor has determined that you are disabled, insurance companies will still look for ways to delay, or deny paying on claims.
In California, to be considered disabled, you must be unable to perform the material and substantial duties of your job with reasonable continuity, in the usual and customary way. This definition comes into play with the limitations and restrictions that your doctor has placed on you.
Cancellation of Disability Benefits Due To Insurance “Change In Definition”
In some cases, our clients have contacted us after receiving benefits for a period of time, usually 24 or 36 months. Their disability insurance carrier has informed them that they are no longer eligible to receive benefits because of a “change in definition.” Essentially, after a period of time, the insurer will refer to the policy that requires that you must be disabled from any occupation, not just your previous occupation, to continue to be eligible to receive disability benefits.
We work with clients faced with a “change in definition” or other exclusions to fight against the insurer’s interpretations of the policy limitations.
Making It Clear That Your Medical Condition Is a Disability
At Donahue & Horrow LLP, our lawyers can assist in making a claim. As part of this service, we will educate you about the definition of disability on your insurance policy. We will strive to make certain that your medical documentation makes it clear that your condition meets the insurance company’s definition of a disability. Making certain that everything is presented correctly to the insurance company can prevent hurdles further down the line.
At Donahue & Horrow, we are happy to review your claim before you send it. We do not charge you for this service. We realize that you are participating in a process that has never been properly explained to you and we will teach you the rules and explain your legal rights under the policy and can efficiently address any claim denial or bad faith insurance practices.
Has Your Claim Been Unfairly Denied? Our San Bernardino County Disability Insurance Lawyers Can Help.
If you have been the victim of a denied disability insurance claim on the basis that you do not meet your insurance company’s definition of disabled, our attorneys can help.
Because our law firm features former insurance defense attorneys, we understand the loopholes they will try to use to avoid having to pay your claim, and all of the other underhanded tactics they may employ. We know how to overcome their tactics and present a compelling case that you are disabled and your claim needs to be accepted. We are insurance litigators, willing to get aggressive when necessary in order to accomplish this goal.
Contact us to discuss your case and any questions you have about making an insurance claim with an experienced El Segundo, Los Angeles area lawyer.