What to Do If You Have a Disability Claim

Below are some helpful hints on handling your disability claim.

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If you are considering filing a disability claim against your insurance company:

• DO Make Sure You File the Claim in a Timely Manner to Avoid Missing Deadlines
• DO Keep Records of Everything Related to Your Disability Case
• DO Take Notes of Your Conversations With the Insurance Companies and Your Doctors and Nurses
• DO Be Honest With Your Doctor
• DO Read Your Insurance Policy - Familiarize yourself with the part of your policy that dictates the proper procedure for filing a claim.
• DO Be Honest When Filing Your Claim - Fraudulent or exaggerated claims can backfire on you, and can even mean serious criminal charges.
• DO Contact David Share Associates in the Event That Your Claim is Denied
• DO Provide Your Lawyer with the Proper Documentation of:
  • Your insurance contract, including definitions of total and partial disability, total amount of benefits, cost of living adjustments, automatic benefit increases, length of time benefits are payable
  • Prepare a complete medical history document, including doctor diagnoses, specialists visited, major test results, specific timeline of condition, medications taken, prognosis reports, family situation, physical and mental restrictions, effects of the disability on every day life, financial effects, recreational effects (what activities are you now unable to do because of the illness or injury), describe how the illness prevents you from performing your job - be prepared to discuss every aspect of your claim.
• DON'T Sign Anything From the Insurance Companies without carefully reviewing it first - It Could Potentially Be Used Against You During Your Case
• DON'T Let Too Much Time Go By - There is a Statute of Limitations on Your Disability Claim
• DON'T Overdo - or participate in activities in public that might be construed as proof that you are not disabled. The insurance companies may document this, even with video, and may use this against you.
• DON'T File One Claim At A Time - If you're disabled in more than one way, don't let the insurance companies tell you that you can only file one claim at a time. Your policy covers your entire body and potentially all the ways it can be disabled.
• DON'T Cut Back Working Hours - By opting for fewer working hours because of your disability, you may be inadvertently giving up your disability benefits.
• DON'T Settle For Less Than You Deserve
• DON'T Delay In Contacting an Experienced Disability Insurance Lawyer - After your claim has been denied or terminated, the Earlier a Lawyer is Involved, the Better Your Chances are of Getting Maximum Benefits

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