Questionable Moves by Long-term Disability Insurance Providers

Insurance companies are not charities. They are businesses. As such, they will do anything they can to put in as much money as possible and put out as little as possible. So, when you are claiming for a long-term insurance coverage, you should be wary of certain insurance company behaviors.
Some moves look like they will benefit you, but they will actually cause you more harm. There are moves where you don’t get what you rightfully deserve. This can be an ethical and legal dilemma, and it all boils down to money.

Making outrageous demands

If you are filing a long-term disability insurance claim, arguably the most important thing to have is medical evidence that you are truly disabled. This may include regular visits to a specific physician, medical records from this specific physician, and official opinions from, again, this specific physician.
But there are instances where insurance companies will make more demands, often unnecessary and outrageous, so you will be discouraged in pursuing your claim.

Delaying the claiming and granting process

Insurance companies really want to discourage you in pursuing your claim. Aside from making outrageous demands, they may also delay the entire process to achieve their goal. It may be understandable if the process is taking much time, but if there are suspiciously frequent delays, such as in terms of getting the proper documents and studying them, you should be suspicious.

Denying valid claims

Even legitimate long-term disability insurance claims can get denied. There are many reasons for this, like when the insurance company has overlooked some aspects of your claim, such as the severity of your medical condition, or when you have not provided enough medical evidence to make your claim stronger.
But there are times when even the claims that are properly written, timely submitted, and sufficiently backed by medical evidence can be denied, and that can be suspicious. But at least, according to the website of Fields Disability, those who have denied claims can make appeals.

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