Long Term Disability Insurance Lawyers

Newfield Law Group has represented thousands of people just like you who have had their disability claims wrongfully denied, or terminated after being on claim for some period of time.   The reason for the claim denials or claim terminations of your long term disability insurance claim is simple math: insurance companies stand to be more profitable when claims are denied and terminated. But the battle to regain your disability benefits is complicated, and that’s where Newfield Law Group comes in and provides advocacy, guidance and support during the process.

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Can I Fight Back When My Disability Claim Has Been Denied or Terminated?

You can and should fight back when your long term disability claim has been denied or terminated, when it is being delayed and if it should be terminated. Whether your disability policy is from Unum,  Lincoln, New York Life, Prudential or Hartford, the insurance company is hoping you will not fight back. In fact, it is a tried and true business model for disability includes counting on a certain number of people either not having the ability to fight back on their own or making a simple mistake, like not responding in a timely basis to a denial and losing the right to fight back for their claim. 

What About My Situation?

While every disability claim denial is different, and each one is surely personal to the individual receiving the disability insurance claim denial or termination letter, there are certain similarities that run through all wrongfully denied claims. After more than two decades of practicing law in this specific area, and representing clients with a wide array of medical conditions and occupations, Jason Newfield has seen all of the issues which will be represented with a claim decision.  He has also represented people who made some basic mistakes when trying to handle their disability insurance claims on their own, which often include several of the following:

Failing to go to doctor appointments or not being under the right doctor’s care. 

Building a watertight case for a disability insurance claim requires a robust record of medical care, including attending medical appointments, undergoing the right diagnostic tests, and having a doctor who specializes in your disability to provide care. Being able to support a claim with more than a statement saying disabled is critical, and often overlooked.

Not sending the right medical records to the insurance company.

Many medical practices offer patient portals, where patients can download all of their test results and use them for their disability insurance claims application. However, unless you know which of the tests the insurance company is most likely to be looking for, you may provide medical records that can be used against your claim. An experienced disability insurance attorney who is familiar with various conditions knows the medical records that will raise a red flag to adjusters, and which ones will make it easier for the adjuster to green-light your claim.  It is important that you understand what the policy terms are governing your claim BEFORE submitting your claim, where possible.

Living your best life on social media.

Jason Newfield has been warning claimants since social media began to keep their lives private and off of social media. Insurance companies were very fast to adopt social media as a surveillance tool, and investigators can easily bypass any privacy settings you might think are keeping your social posts private.   It is an inexpensive tool for disability insurance companies to learn more about claimants through their own social media.  There are so many platforms that you may think no insurance company could possibly be on all of them – – but you would be wrong – they are good at sourcing information about you. Whether you are on Facebook or playing World of Warcraft, it is possible for an insurance company investigator to identify you and your activities.   They may then use even benign posts to try to undercut your claim, or even drive a wedge between you and your doctor.

Waiting too long to respond to a claim denial. 

In most cases, and those under ERISA most often, this can doom a long term disability claim. However, there are instances where missing a deadline is not fatal to your claim, or where additional information may still be submitted. If this is your situation, call Newfield Law Group at 877-406-7883 to find out if your claim might still have a chance.

How Can I Protect My Disability Insurance Claim?

Understanding the value of your disability insurance policy and the benefits which may be paid over the long term may give you some perspective on the importance of a proactive approach to protecting your claim.  Let’s say you have a long-term disability insurance policy and the monthly benefit is $5,000 a month or $60,000 per year.  If you are in your mid-50s and had expected to work until age 65, your disability insurance policy would pay approximately $900,000. Is that worth protecting proactively if something should keep you from working? 

Newfield Law Group encourages claimants to call before they file a claim to gain a better understanding of what their disability policy is worth, which in turn helps understand how important it is to protect the claim by bringing in an experienced disability attorney from the start.   The disability insurance company looks at your claim as a liability it needs to prevent, and they will consider the age and potential longevity of the claim when initially analyzing its exposure.  These multi-national, multi-billion dollar companies do not care whether you are able to pay a mortgage or enjoy the lifestyle you work so hard to achieve. The fact that you purchased a disability insurance policy, or paid premiums to alleviate the risk of becoming disabled is of no matter to a claims adjuster or physician reviewing your medical records.  They are incentivized to find you NOT disabled, so you must be powerful in your submission supporting your claim.

Often the Newfield Law Group is brought in to help when a claim has been wrongfully denied or terminated.  The appeals process is complex, whether for an ERISA group policy or for a private or individual policy. This is a critical time in the claim. This is the only chance you will have to provide additional documentation and prepare the claim for the appeal and, if necessary, for litigation. 

The appeals process does not favor the claimant. It is strict in both time limits and materials. Getting it right, and overturning the claim decision, requires knowledge of the process, what the insurance companies are looking for in making their decision, and what issues will drive the decision to pay or not pay the claim. Leveraging our decades of experience and network of supporting experts, we are able to deliver results for our clients.  

If you are about to file a claim for disability, we invite you to call Jason Newfield for a free consultation about your case. The call is free and there is no obligation. We are a national firm and represent claimants across the country and we have seen your situation before.  Allow us to hold the insurance company to their promise to pay you.

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