How To Know If You Have A Long Term Disability Claim

If you've been injured or have become ill and you have found it difficult to do your regular occupation for 30, 60 or 90 days, you need to do a thorough evaluation of what insurance you have in place. If you are a doctor, business owner, dentist or surgeon and you are ill or injured and can go to work, but on a reduced level, it can't be overstressed how important it is to see what insurance you have in place.

In order to fully understand your rights under your policy, you need someone who can evaluate your entitlements. At Steve German, A Law Firm, in Scottsdale, we can help you understand your situation and take appropriate action. Give us a call today at 480-607-9166 to talk about your particular circumstances.

What Kind Of Insurance Do You Have?

Many people buy disability insurance and forget about it for completely understandable reasons. You might have insurance through a medical board or chiropractic board, for example, and may not fully understand the policies or the extent to which they pay. If you have one of these policies and you cannot perform your specialty occupation, you are almost certainly entitled to disability insurance benefits.

Individual disability income policies are usually written by one of the following large insurance companies, including:

  • UNUM
  • Paul Revere
  • Provident
  • MassMutual
  • Northwestern Mutual
  • MetLife
  • Lincoln National
  • Berkshire
  • Guardian
  • Ohio National

If you have purchased disability insurance from any of these companies, it is well worth your time to partner with an experienced attorney who has a comprehensive understanding of the benefits these policies pay. Even if your insurance company is not listed above, chances are we can still help you.

Do I Have A Disability Claim?

At Steve German, A Law Firm, we are ready to help you determine what benefits you are owed, and to do everything reasonably possible to secure them for you. There are several important factors to consider, including whether benefits pay to age 65 or for life, the true start date of a claim, when and how to properly complete your application for benefits, identify acts of bad faith and whether your policy is own occ or any occupation. Our goal is to help you understand all of these variables, and to aggressively pursue all possible remedies to get the maximum benefits to which you are entitled.

There are many issues involved in assessing and applying for benefits. So if you are having difficulty working, please reach out and begin the process as soon as possible.

To set up a free initial consultation with one of our lawyers to discuss how to potentially apply for disability benefits in Arizona, contact us at 480-607-9166 or email us here.