Looking for a Colonial long-term disability lawyer in Texas? Colonial disability claim denial is not easy. The good news, however, is that a long-term disability claims denial is not the final word, and you still have a right to appeal and obtain the benefits you rightly deserve. It might also be some consolation to you that you are not alone.
Colonial Life, has in the past, been known to falsely undervalue, or outright deny legitimate claims. As a matter of fact, gigantic insurance companies like Colonial have a habit of denying claims like yours to fill their pockets. Thankfully a Colonial long-term disability lawyer from Marc Whitehead & Associates is ready to fight for you.
Colonial Life Disability Claim Denial
The goal of many insurance companies, more often than not, is to pay out as few claims as possible. Unfortunately, Colonial Life is like most insurance companies in that regard. Colonial’s claim adjusters, therefore, will evaluate your claim and try to undermine it in any way they can. Different grounds and tactics can be used to deny claims, Some of the more common grounds and tactics which Colonial Life might use to deny your claim could include:
- Claiming that your disability is due to pre-existing conditions, whether from a prior accident or from a prior medical condition.
- Not talking to your doctors to ascertain your conditions or meticulously reviewing your medical records to somehow undermine your claim.
- Hiring investigators to follow you around and find something that would undermine the strength of your Colonial long term disability claim.
- Drowning you with paperwork, or using a technicality, to discourage you from going ahead with your claim.
The goal is to not pay and, somehow, deny your claim. This is how many insurance companies increase their profits, by not paying even if it’s a legitimate disability claim.
Appealing a Colonial disability claim denial
If Colonial has denied your disability claim, then you may have been notified by them via letter. This letter will explain to you why your claim was denied and how you can appeal it. Just because your claim has been denied does not mean the end of the road. Luckily, there is an appeals process which you can utilize to try and get the denial overturned. However, you will first need to go through Colonial’s internal appeals process before you can file a lawsuit in court. Therefore, the initial focus should be on being successful in the internal appeal with Colonial, so you don’t have to file a lawsuit.
Probably, one of the more important things you need to focus on immediately is the deadline to appeal. The deadline to appeal should be noted in the denial letter which you received from Colonial, and it is very imperative that you follow it, otherwise you could be completely shut out from receiving your benefits. The next thing you should do after receiving notification of your long-term disability claim denial is to request a copy of your file from Colonial. Keep in mind that you need to be cautious and careful in your discussions with Colonial, as anything you say could be used to undermine your claim even further. You would be best advised to communicate with the insurance company in writing, as opposed to verbally.
This is where a Colonial long-term disability lawyer will be especially helpful. An experienced Colonial Life disability claim attorney will have a thorough understanding of the appeals process and be very familiar as well as the various tricks and strategies played by the insurance companies in denying your claim. An experienced attorney will thoroughly go over your claim with you. The objective would be to make your case as strong as possible so you can get the benefits you deserve.
Contact an experienced Colonial Long-Term Disability Lawyer
Marc Whitehead & Associates are the long term disability lawyers you need to fight back when your claim is denied. We have been helping people just like you nationwide for 30 years. Our main offices are in Houston, with satellite offices throughout the great state of Texas from Cypress to El Paso. Please do not hesitate to reach out for a free consultation today in order to determine how best we can help you during these hard times.
