It’s no secret that long term disability insurance companies do things in frustrating ways when it comes to reviewing and paying out claims. You would think that jerking around your customer base would be a recipe for disaster. It’s quite the opposite with insurers. Sadly, denying legitimate claims is standard operating procedure for many companies that put profits over their own customer well-being.
Long term disability (LTD) insurers may advertise that they’re always there for injured workers, but I know that’s just commercialized double-talk. Their true goal is to be profitable for shareholders; and they won’t think twice about screwing over vulnerable claimants (like you) to maximize their profit margins.
I’ll admit it, I like silly reality shows like “First Time Flippers,” “Bathroom Crashers” and “Worst Cooks in America.” I guess we all take some delight in seeing people fail hilariously before finally getting it right.
Disability benefits are designed to provide financial relief for workers who are injured while on-the-job. These benefits are part of an insurance policy, and policy holders are entitled to expect payment as outlined in the language of the policy.
As we have noted in a number of our posts, dishonest long term disability insurers can exploit the medical complexity inherent in many neurological conditions as a basis to formulate a plausible-sounding denial. This is why disability claims stemming from back injuries can be particularly difficult. It is no secret that disability claims adjusters deny many requests based on back ailments. However, it is possible to be successful if you know how insurers evaluate claims.
The cost of litigation is a widely held concern among both claimants and insurance companies. Insurers may use the specter of protracted litigation as a negotiation tool to reach lump sum settlements. Claimants who have been wrongfully denied may be discouraged about pursuing legal action against an insurer because they may believe that they could not afford an experienced attorney.
Neurological conditions like Multiple Sclerosis, brain injuries, migraine and stroke can be physically debilitating. However, neurological symptoms are often intermittent, appearing and disappearing in a flare-to-near normal cycle that is predictably unpredictable. This is not only frustrating for the person living with the condition, but can pose problems for those making disability claims based upon a neurological disorder.
If multiple sclerosis is making work intolerable, it is important to know that you have options, including workplace accommodations and long-term disability care.