You've made the decision that you need to file for long-term disability -- and it hasn't been easy. Like many other people facing a similar decision, one of the hardest things to do seems to be having a very necessary discussion with your doctor to get their support.
Long-term disability insurance is supposed to be there to protect you and provide you with an income when you can't work -- but far too many people find out that even though they've faithfully paid their policies for years, the insurance company simply isn't there for them when they need it.
What's one sure-fire way insurance companies can avoid paying out a long-term disability claim? When the policy holder dies before he or she can collect.
California residents who get involved in work-related incidents can end up with injuries that result in short or long-term disability. In these cases, Pillsbury & Coleman, LLP, are here to help you deal with the insurance situation.
Most people in California do not ever expect to become disabled. Nonetheless, there is no way to ever completely eliminate this from potentially happening. For this reason, many people do look into buying insurance policies that can provide them with some income should they unexpectedly be unable to work for extended periods of time. These are called long-term disability insurance policies and they do differ from short-term disability policies.
Like many California residents, you may have experienced an increase in your living costs over the last few years, especially in medical expenses. Even if your employer pays for a portion of your health insurance, chances are you have seen an increase in premiums recently. In many cases, this is because employers are pushing health care and insurance costs back to their employees when possible. This also means fewer employers are offering insurance benefits such as long-term disability. However, even if you do not get long-term disability insurance in your employee benefits package, it may be worth the expense to pay for it yourself.
People in California who have developed medical conditions or injuries that preclude them from working may be able to apply for disability benefits to help them provide for themselves and their families. While many people might assume that the Social Security Disability program can provide everything they need. However, that may not always be possible. This makes it important for people to carry their own, separate long-term disability insurance policy.
For many people in California, the thought of being disabled may seem like something that will never happen to them. However, even a person who today is able-bodied and in excellent health can experience an accident that changes their life forever. The possibility of an unforeseen medical diagnosis also always exists. It is for these reasons that being properly insured is important.
Insurance companies in California may be more reluctant to pay long-term disability benefits to individuals whose symptoms are not measurable and quantifiable. If you suffer from post-traumatic stress disorder, you may have difficulty convincing an insurance company that certain conditions trigger your symptoms. Adjusters and others who work for the insurance company may accuse you of malingering, that is, faking your symptoms to receive benefits.
If you have long-term disability insurance, either privately or through your employer, in California, you expect to be able to use it if an accident occurs that puts you out of work. Unfortunately, it is in the insurance company's best interest to deny your claim and they oftentimes go to long lengths to "prove" your disability is not that bad. It may help to know how they investigate claims and what you can do to improve your chances of approval.