Own Occupation Disability Denial
When you have a profession where you can afford own occupation disability insurance, you’ll usually take it. No one wants to depend on Social Security benefits and approval to get through the hard times, but no one wants to come up against the greed of insurance companies either. Even if you have a valid own occupation claim, you could be denied right off the bat for no other reason than the insurance company just doesn’t want to pay you. When you need to know why you’ve been denied, your rights and legal options as a policy holder, you need to talk to an own occupation disability denial lawyer.
If you’ve become disabled while working and paying on your policy and submitted your claim, only for them to deny your claim for reasons that aren’t clear or acceptable to you, you need to find an own occupation denial lawyer. You should never give up after receiving a Unum own occupation denial or any occupation denial letter; they regularly send out these letters without looking at the totality of the information. They hope that you won’t consult a lawyer to find out their options so they won’t have to pay.
What Own Occupation Denial Means
You never know if you have a case, only a disability lawyer can do that. But if the insurance company says that you don’t deserve your benefits, your employer will agree with them. The insurance company and your employer have no vested interest in making sure your claim gets approved. You need an any or own occupation denial attorney who knows the system and can help you establish if you have a case and what you can do with it.
You have been paying your premium on time every month, but they send out these automatic denial letters to deter you from collecting what’s owed. They don’t want you to pursue a case and most people don’t; if you do have a valid case you have a good chance of getting the benefits you need to recover and live your life.
Understand How Own and Any Occupation Disability Denials Work
There are entire departments in insurance companies dedicated claims; many of the persons who receive denials may have valid claims but the insurance company knows that only a small percentage of denials will ever seek legal help. But when you’ve become disabled (temporarily or permanently) you need to be able to collect on your claim. Insurance companies seek to keep you from collecting on your policy to protect their profits. One of the most common own occupation denial or any occupation denial “reasons” is that your illness or injury is not covered in the policy; there are many tricks they’ll use to try and say that you’re not even sick or injured at all, and you can work but you’re trying to get free money.
Most of the time this simply isn’t the case. No one wants to be out of work, and we understand that when you’ve been sick or injured and can no longer work you need help. One of the worst things an insurance company can pull is to retroactively cancel your policy altogether, claiming that you gave false information (didn’t mention an illness or a change in job or lifestyle) and that you never had a policy in the first place. You paid your premium, so you should be able to get a fair hearing of your claim. Regardless of what the insurance companies throw at you, we’ll be able to help you understand the nature of your denial and if you have a case that you can pursue.
Understand Your Claim and Take Action
Once you understand the nature of your own occupation disability denial, you’ll be able to decide how to proceed. They’re counting on you not to take action, and once you understand their grounds for not paying you your benefits the attorneys at Burke, Harvey & Frankowski, LLC can help you decide whether you should pursue your case or not. We have extensive experience dealing with disability claim denials and insurance company, and we can get your case the justice it deserves. Contact us to learn about your legal options and rights as a policy owner.
