Insurance companies need objective information that verifies the claimant’s disability and their financial situation. Some insurance companies might ask for documents and information to delay making payments, but for the most part, these requests are a legitimate component of a benefits claim. If you have concerns about the information you have been asked to provide, consult an experienced attorney for long-term disability at Marc Whitehead & Associates, Attorneys at Law, LLP.
We are dedicated to ensuring our clients get the disability benefits they need. Our highly experienced staff have helped clients all over the U.S. obtain their disability benefits even after an insurance company denied their initial claims. We can readily determine if an information request is standard and within a company’s right to review. Call today to schedule a free consultation.
What Are The Common Types of Information That Insurance Companies Request?
Long-term disability insurance companies generally ask for three types of information:
- Medical Records – Disability insurance companies use medical records to verify your disability and the treatments you have received. These records include your doctor’s notes, diagnostic test results, prescription medications, and other physical and mental health assessments. Your insurance carrier will either ask you to provide these records directly or to sign an authorization for your healthcare providers to release this information to the insurance company.
- Employment History – You are generally entitled to recover benefits if your disability precludes you from performing the regular tasks and duties of your job or own occupation (the definition of “disability” in your policy may be more specific). Your insurance company uses work history records to establish what your occupation entails and how your disability prevents you from working in that occupation.
- Financial Documents – Among other uses, insurance companies review tax returns, bank statements, and other documents that show your income to confirm that you have not been working and to verify that the income you have been receiving is consistent with the job you listed as your primary obligation.
Are You Obligated to Provide the Information That Your Disability Insurance Company Requests?
Most of the information your insurance company requests is personal and sensitive, and you may be reluctant to include it. However, your long-term disability insurance policy is a contract that obligates you to provide it to verify your claim before they approve it.
For a free legal consultation, call 800-562-9830
If you have concerns over the information you have been asked to provide or do not understand your obligations, consult with an attorney for disability benefits, who can review your policy and determine whether an insurance company’s requests are within the policy’s boundaries.
Call Marc Whitehead & Associates for a Free Consultation
The long-term disability benefits lawyers at Marc Whitehead & Associates represent clients throughout the United States. We assist them in filing and processing long-term disability benefits claims and responding to insurance company information requests. We can also intervene if an insurance company is seeking information that it is not entitled to receive or if it is using information requests as a way to withhold benefits payments.
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We help our clients gather, organize, and submit all the required information, documents, and materials that a disability insurance company requires to review a claim. We also manage communications with insurance companies and monitor practices that can delay the processing of a claim or cause a denial. Call us for a free and confidential legal consultation. No money up-front. We don’t get paid unless you do.
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