Disability Insurance Denials
Insurance companies frequently take advantage of the uncertainty in the terms of their policies or in the patient’s diagnosis to deny a disabled victim of personal injury or illness his or her disability benefits, for which, he or she has been paying premiums for years.
Some policies provide that if the disabled victim of personal injury or illness is able to earn as little as 20% of his or her pre-injury income, he or she is not truly disabled.
The insurance companies count on the fact that a certain percentage of the disabled victims of personal injury or illness will not fight.
It is important to take them to task for this lack of good faith.
The disabled victim of personal injury or illness must show that he or she is totally disabled from full and part-time employment for which he or she is suited by education, training or experience.
Insurance companies often pounce on a perceived lack of medical attendance, and it is important to see your doctor regularly, even if he or she can offer no cure for your condition.
Medical reports from your general practitioner and specialists, as well as occupational therapy and vocational consulting reports, are generally required to establish total disability from full and part-time employment.