In the past years, there has been a substantial increase in physician disability claims. As a result, insurers have toughened the rules and regulations for claiming one. Having your own occupation disability insurance is necessary to safeguard your rights in case of any mishap. And in order to do this, it is critical to familiarize yourself with the new rules and what you need to do to beat the system.
We have noticed certain mistakes that Physicians make when making such claims. Tighten your seatbelt as we will list 3 mistakes you should avoid making the process smooth and quick.
- Not Meeting With An Attorney
To start, it is a requirement to consult an attorney that is experienced in this area before making such a claim.
The attorneys know the words and phrases that must be included in the statement. And their support will increase your chances of winning the claim.
There are a lot of companies, and they have their own set of rules. You should do your research thoroughly. In the end, take help from an experienced attorney. It is better to be prepared than regret it later.
- Not Enough Documentation
Before you make a claim and take things further, there is another crucial step. Talk to the company carrier and record/note down everything they tell you. Identify the person you are speaking with and confirm all the details shared by that person. It can be done through a letter sent by the company that ensures there is no misunderstanding.
Now that you have had a conversation with the carrier and know all the documentation you need, you can proceed. It will ensure that there is fair conduct. Your attorney will also guide you through this step.
- An Independent Physical Exam
After all the documents are submitted, in the next step, they will ask you to submit an independent examination. The physician will be chosen and paid for by the insurer. Before you jump into this scenario make sure that the carrier has the right to carry out this independent examination. There are many companies out there who would want to reject your application so it is necessary to be alert.
The physician can also take the attorney with him to the examination to ensure that they are not robbed of their rights. To make this step less stressful, review their policy beforehand and drive a strategy to protect your valid rights.
Final Thoughts
Disability claims need time and correct planning. You need to be prepared to handle all types of questions hurled your way. But with the right type of attorney and help this will become a piece of cake. Are you applying for an insurance claim? This article will help you in this regard.
Latest posts by Five Fantastic Lawyers™ (see all)
- Introducing Our Latest Guide: How to Become an Employment Lawyer - October 26, 2024
- 5 Simple Ways to Choose an Auto Accident Attorney - October 14, 2024
- The Importance of Clear and Concise Deposition Summaries for Legal Teams - October 14, 2024