Some insurance companies use tactics to delay and deny insurance claims, including requests for disability insurance. Understanding what some of these insurance tactics are may help you avoid unfair insurance practices. Navigating these tactics means you will know your legal options and what steps you can take to increase your chances of receiving disability insurance benefits. Talk to a Philadelphia disability lawyer to find out more about what your options are.

How to Navigate Insurance Tactics

There are several ways to navigate insurance tactics when applying for disability insurance. Being aware of these insurance tactics may help you avoid common mistakes that could block you from receiving disability benefits. Knowing your options will then help you know what legal steps you can take to increase your chances of obtaining disability insurance.

One of the first ways to navigate disability insurance is to become familiar with your disability insurance plans. You can do this by researching online or contacting the insurance company. Address any questions or concerns you have ahead of time, knowing that you can always apply for disability insurance elsewhere.

Be wary of tactics during this process that insurance agents may use. These tactics include using complex legal jargon to confuse you and denying your insurance request for unjustified reasons. When an insurance company denies you insurance for unknown or unfounded reasons, you may have legal options to work around this.

Documenting phone calls with the disability insurance company can help you maintain evidence of this. Keeping all letters, bills, and other forms sent to you by the insurance company may also help with building up evidence. You can try making your concerns known to the supervisor of the insurance company. Consider contacting a Philadelphia disability lawyer if this does not work. 

Your Legal Options When Dealing with Insurance Tactics 

You might be wondering what your legal options are if you were denied disability insurance or if your benefits were delayed. When it comes to disability insurance legal options, these options may vary depending on whether you are requesting benefits individually or through an employer. Under ERISA, the plan administrator for your employer must give you a detailed reason for why your disability benefits claim was denied.

In general, you have the option to file an appeal against a denied disability claim. Sometimes all it takes is submitting additional information or evidence of your disability to become eligible for disability insurance. If this fails, you can file additional appeals in court.

Working with a lawyer may increase your chances by exploring additional legal options for defending your need for disability insurance. A lawyer can work with you to build a strong disability claim appeal while exploring all your legal options along the way.

Contact Edelstein & Nelson for Legal Help

Finding out your disability insurance application was rejected can be disheartening. Reach out to a Philadelphia denied benefits appeal attorney to figure out what your legal options are if your disability insurance was denied. All you have to do is call Edelstein & Nelson by dialing (800) 300-0909 for a consultation today. Our experienced team of lawyers is ready to help you increase your chances of receiving disability benefits.