Maintaining Your Individual Disability Insurance Claim

You submitted your claim forms and medical records documenting your disability. The disability insurance company found you are disabled under the definition in your Individual Disability Insurance policy. Now what?

Continued Proof of Loss

You were required to provide your disability insurance company proof of loss during the initial submission of your claim for disability benefits. Now you are required to continue to submit updated information. All Individual Disability Insurance policies contain provisions which place the burden of proving disability on you, not the disability insurance company. Even if your disability insurance company accepts liability and begins paying your claim, it will continue to review your claim to determine if you continue to satisfy the definition of disability under the terms of your policy. It will request from you and review updated information regarding your claim.

How Will My Claim Be Reviewed?

The disability insurance company has a number of ways to continually review your claim. They will use the following methods:

  • Attending Physician’s Statements and medical records
  • Claimant’s Individual Statements
  • Functional Capacity Evaluations
  • Independent Medical Examinations
  • Vocational Assessments
  • Surveillance & Investigations
  • Field Representative Interviews

These are just some of the methods the company will use to review your claim. It is essential you cooperate with each of the methods and comply with the provisions in your policy. We will assist you with this cooperation by communicating with the disability insurance company on your behalf and protecting your best interest by making sure all pertinent information required is provided, along with any other compelling information we obtain to make sure you have the highest likelihood of getting all benefits under your policy that you are entitled to.

Contact Seltzer & Associates today and allow our team to assist you with your Individual Disability Insurance claim.