Long-Term Disability Insurance Claims Demystified

Long-term disability insurance claims are complicated. If you are trying to navigate your insurance claim or your claim has already been denied, we are here to help. Below, we have answered some of the questions that you may be seeking answers to. 

At Donahue & Horrow, LLP, our California  long-term disability insurance lawyers have extensive experience guiding clients through the insurance claim process. We are here to assist you every step of the way at no cost to you unless we win your case.


What is long-term disability insurance and how do I qualify for long-term disability insurance benefits?

Long-term disability insurance policies are typically taken out by high-income professionals who have chosen to protect themselves and their families by purchasing a private disability policy. These policies are designed to cover lost wages in the event the insured individual or one of their immediate family members is disabled by an accident or illness. This private long-term disability insurance policy protects the insured if (s)he is unable to work in their occupation for an extended period of time, and in some instances ever again.

Private long-term disability insurance policies are common in middle and upper-level management positions and owner-operated roles such as doctors, surgeons, nurses, EMTs, lawyers, dentists, dental hygienists, occupational therapists, and physical therapists, to name a few. Learn more about long-term disability insurance claims from our essential guide


How do I make a private disability insurance claim?

private disability insuranceIf you are disabled by accident or injury and you are enrolled in an insurance coverage program through your work or have purchased a private insurance policy, you may qualify for disability insurance. 

A long-term disability insurance claim can usually be filed online via the website of your disability insurance company. You may also call the company, send them a fax, or submit your claim through the mail. You will need to submit claim forms along with medical records documenting your injuries. Depending on the details of your policy and claim, you may also be required to provide financial documents. 

When you work with our disability insurance attorneys, we will guide you through the filing process from start to finish. Insurance companies such as UNUM, Cigna, Aetna, The Hartford, and others, have specific and unique terms which will determine if you are eligible for benefits and for how long. 

Each insurance company writes its own policies. As a result, the language they use is often deliberately confusing. As a policyholder, we strongly recommend that you carefully review the full text of your policy. You will likely discover many complex rules that define the precise nature of a disability as they define one. You need to understand the specific details of your policy before you submit a claim so that you do not give the insurance company a reason to deny your claim.


What do I do when my long-term disability insurance claim is denied?

Time is of the essence after you have received a claim denial. You should not accept the denial of your rightful insurance claim. Your insurance provider is relying on you giving up and accepting your denied claim. Instead, we encourage you to take action and begin explore your options for refuting your claim.

Speak with one of our California private long-term disability insurance lawyers at Donahue & Horrow, LLP to understand your rights and possible avenues for recourse. Insurance denial cases are unique legal cases. We have extensive experience getting our clients the results and money they deserve. The sooner you contact us, the faster we can get to work on your behalf.  Speak with our team today. We will work to determine your rights and develop a plan to get you what you deserve. You will hear the passion we have for our work, for getting you what you are rightfully owed, and you will not be charged for the time we spend discussing your case.


We are here to help.

At Donahue & Horrow, LLP, we know your disability is likely causing financial and emotional hardships. Allow us to take on the burden of managing your long-term disability insurance claim. You won’t have to pay a dime until we recover money on your behalf. Get started with your free consultation or call us at (877) 664-5407.