Waiver of Life Insurance Premiums
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Waiver Of Life Insurance Premiums
Typically, as part of your entitlement to life insurance benefits, there is a provision which provides that when you are disabled, the life insurance premiums for that benefit are waived. Many of the same issues which arise in connection with Short Term or Long Term Disability benefits claims also arise in conjunction with Waiver of Life Insurance Premium claims Orlando. The issue is generally whether you are able to perform the “material and substantial” duties of either your own occupation or any occupation for which you are reasonably qualified by way of education, training or experience. This definition, of course, can vary from policy to policy. The benefit entitlement has to be proven by medical evidence although, of course, doctors very rarely put such specific information in their medical records. Generally, and naturally, doctors focus on the medical issues so their medical records basically have to be “interpreted” to determine if their findings support disability for this type of claim.
One rather odd situation which arises in these cases is one in which the disability benefits claim is being paid but the Waiver of Life Insurance Premium Disability Claims Orlando of premium entitlement is being denied or vice versa. This seeming anomaly arises more often than would be expected. It is as if the insurance company’s right hand is not talking to its left.
This is a benefit which should not be overlooked when a person is in the process of pursuing Short Term and Long Term Disability benefits. Sometimes the potentiality of the need for the life insurance is not considered during the claim for disability benefits. The insurance company cannot be relied upon to bring it up.
As part of your representation on your group disability benefits claim, we will review the matter to assess whether this benefit entitlement exists and, if so, we will assist you as necessary to protect this valuable right as well.