Advertisements are the lifeblood of American businesses. If you consider some of the most successful corporations and small businesses across the country, they all have one thing in common: they get the word out about their products and services to consumers.
Long term disability insurers are no different. You may be entertained by the catchy commercials and catchphrases, and your employer may persuaded by the coverage offerings and supporting numbers, such as how many people may become disabled for an extended amount of time before reaching retirement age.
Indeed, insurers expend billions of dollars each year in LTD benefits through employer sponsored group disability coverage, but that does not mean that they always pay benefits willingly and expeditiously. In fact, the games they play encourage claimants to simply give up on money they are legally entitled to.
So what does this mean as a consumer when you are offered coverage through your employer? We cannot advise you to ignore disability insurance offers. After all, these insurance plans do serve a vital purpose in the event an employee becomes disabled. However, it is important to know that insurers don’t care about your ailments or the financial hardships you face when you need your provider to step up and do the right thing.
An experienced disability law attorney can help you make sense of things when you need to file a claim, and handle all of the correspondence necessary so that you are taken advantage of. If you have additional questions about an insurer’s obligations towards you, or if an insurer has denied your claim, we invite you to contact us.