Myths About Disability Insurance Claims You May Have Heard (From neighbors, friends, or other lawyers and insurance companies)

MYTHS/ LIES:

You are on a level playing field with the insurance company.

If your employer says you are too injured to work, the insurance company will automatically pay.

Filling out the disability insurance company’s forms will automatically result in your being paid disability benefits.

If you have been awarded Social Security disability benefits, you will have no problem getting your long-term disability benefits.

If your doctor writes that you are “disabled”, you will win your case.

If the insurance company sends you an “activity log,” it is because they are sincerely interested in what you do on a daily basis.

The best way to convince the insurance company that you can’t work at your sedentary job is to write a detailed letter describing your medical condition, and how it interferes with your ability to live your life.

If you write the insurance company a letter, and are reasonable, you will get a reasonable settlement proposal.

The insurance company “appeal” process is fair and unbiased.

Any lawyer can help you with your ERISA long-term disability claim.

You should hold back your best evidence for trial.

Your doctors will come to trial to testify and help you convince the judge of your disability.

You will be allowed to testify at the trial if your case is filed in court.

Sorry to disappoint you. None of the above is true.  Read on…

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Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.