No. 10 – The seven things long-term disability policyholders should do.
Nancy Cavey, Hillsboro and Pinelas Counties disability insurance company lawyer, suggests that longer-term disability applicants call and:
(1) get a copy of their policy;
(2) read the policy and the directions for filing their claim and follow every step;
(3) make a copy of everything you send to the disability carrier;
(4) send everything to the long-term disability carrier with return receipt request to prove that you sent the material;
(5) if you speak with the adjuster, which Nancy Cavey does not suggest you do, document every telephone conversation;
(6) if you have a high monthly benefit policy, be prepared for surveillance. The disability insurance company will hire an investigator to videotape you;
(7) consider consulting Nancy Cavey to assist you through the disability claims application process. Nancy can assist you before you file, during and after the claim has been filed;
(8) remember that disability insurance companies review files on an ongoing basis.
Simply being paid does not mean that your benefits will continue. If your checks start coming late or stop, contact Cavey & Barrett for assistance in protecting your rights to the long-term disability benefits you paid for to protect your family.
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.