Many individuals face denial of the last month or weeks of Short Term Disability benefits by insurance companies, even without significant improvement in their condition. This tactic is often used to prolong the claims process. Let’s explore why and how you can proceed.
Understanding Insurance Company Tactics
Insurance companies may withhold the end of Short Term Disability benefits to delay the commencement of Long Term Disability (LTD) claims. They prefer claimants to go through the lengthy administrative appeal process, leaving the Long Term claim overlooked.
Initiating the Long Term Disability (LTD) Application
When facing a denied Short-Term Disability claim, it’s crucial to simultaneously submit an application for Long Term Disability benefits. This proactive approach ensures that both claims are pursued in tandem and can be addressed in potential legal proceedings if needed.
Overcoming Delays and Obstacles
Delaying the Long Term Disability claim until the Short Term claim is resolved can unnecessarily prolong the process of securing benefits. Don’t let the insurance company refuse to process your Long Term claim—take proactive steps to submit the application and demand necessary documents promptly.
Seek Legal Advice
While this information provides general guidance, it is essential to consult with a qualified Long Term Disability attorney for personalized legal advice. Herbert M. Hill, P.A. specializes in disability insurance claims and is available to discuss your case and rights. Contact us at 407-839-0005 or hmh@herbertmhill.com for a free consultation and conference.
