Insurance Company Tactics in Denying Disability Claims

Insurance companies often seem very helpful and friendly when it comes to filing a claim. Many are genuinely good people. Yet, do not be fooled. Most insurance companies are for-profit organizations, and to make that profit, they need to reduce the value of any claims paid out to you. If you file a disability claim, the insurance company is likely to do whatever it can to minimize the compensation paid to you, even if you have paid into that policy for years. A denied disability claim lawyer at Dawson & Rosenthal, P.C., can help.

Watch Out For These Insurance Tactics

As you seek out disability payments when you know you qualify, expect the insurance company to refute your claims. They have numerous ways they may do so, including these.

Prolonging the Process

One of the most common tactics is to prolong the disability investigation process, sometimes by asking for information or evidence they already have or questioning that information. Another way they may do this is by changing the claims adjuster, a tactic that allows them to reset the adjustment window to prolong the process even more.

Requiring Independent Medical Examinations

Another tactic you may see is the requirement to visit a third-party doctor to verify your claim or any restrictions you are stating. This process is not uncommon, and the reason for it is to prevent insurance fraud. Yet, you need to be careful about who is paying for these examinations. If the insurance company is paying for them, they may not be authentic about what information they provide or only briefly review your information. You may notice that these doctors will deny your claim even with solid evidence.

In some situations, these doctors may try to say that you had a preexisting condition that caused the incident to occur or that this could be limiting your disability claim. If this happens, it will need to be addressed legally to hold them accountable.

Changing Up Your Job Description

Some insurance companies may try to misrepresent the tasks you do on a daily basis. In doing so, it may look like the job is much different than it is. They may try to make it seem like you really can do the work that you are supposed to do as a part of your job description.

Not Requesting Enough Information

In some situations, the insurance company may not have a lot of requests for information at all. They may seem pretty easy to work with when filing your claim. The problem is that they may then deny your claim because you have not provided evidence of your losses. Yes, this can happen even if they do not request specific information.

Exclusions of important information, delays in responding to you, and even using your statements against you are all ways that insurance companies may try to reduce your ability to receive the much-deserved compensation you need. In these situations, it is critical to work with a skilled disability attorney who can help you avoid these and all other tactics.