Why Insurance Companies Get Secretive About Long Term Disability Claims

If you become disabled and cannot work, you begin to search for a source of monetary support. If you have a long term disability policy, you can request the type of benefits that are meant to furnish the policy holder with a source of temporary support. When you apply for those same benefits, you hope that there will not be any delays.
Unfortunately, your application will go to the office of a business that welcomes delays. In fact, the insurance company might even act to cause a delay. Each such delay provides the granter of the long term disability policy with more time for carrying out video surveillance. The findings from such surveillance can become solid grounds for denying a claim.

How an insurance company’s response to your application might trigger a delay

It could be that your first application will result in issuance of a denial. That denial might be based on the fact that you have failed to provide sufficient proof, concerning the existence of an accident-caused injury. You can have another test done or go to another medical exam, and give the insurer more time in which to seek a reason for denying a second application.
Your insurance company might tell you that your application has not been completed properly. You might realize that you did forget to include one piece of information, so you make the correction and resubmit your application. You might then get a notice saying that you have submitted a form with incorrect figures or one that has misleading formation.
Your insurance company might point to the time of your application’s arrival at the company’s offices. If it arrived after a given date, that would be grounds for denying it. If it did not offer evidence that a clear diagnosis has been given, then you have become the victim of yet another delay-causing tactic.

How such delay-causing tactics can give added support to a refusal to provide benefits

Suppose you have been told that you must get a clear diagnosis. For that reason, you agree to go to an independent medical exam (IME). Then you submit another in a series of applications. You might not think that your insurer could have any more grounds for issuing denials. Then you might be told that the report from the IME did not match with what your own doctor reported.
Again, you might be denied. Alternately, you might be told that your IME shows that you can still do certain parts of your job. Again you will have been deprived of any benefit that you have anticipated. Again, the insurer has found a way to hold onto some of the money to which you feel entitled. Do not feel resigned to managing without the money that you had hoped to receive. Instead, get a good attorney. That personal injury lawyer in Cornwall can help you to steer your way through a lengthy and trying process.