Whether you have long term disability insurance privately or through your employer, you will most likely be dealing with an insurance company in processing your claim. For over ten years, Turley, Redmond & Rosasco has been fighting insurance companies and collecting millions of dollars in much needed benefits for our disabled clients. Disability law is all we do!

First - a little education on how long term disability (LTD) insurance companies operate today. Most long term disability insurance companies put profits over the needs of policyholders. Even "mutual" insurance companies (Mass Mutual, New York Life, and Northwest Mutual etc.) can deny legitimate claims. The insurance company road to profitability is clearly marked. They collect premiums from you for as long as possible - then when you have an unfortunate injury or illness, they deny your claim. Even if you are initially approved for short term disability (STD) or LTD, this could just be an insurance company tactic to buy time to gather more negative information for a later denial.

Statistically, very few policyholders fight back after an unfair denial. They believe fighting an insurance company is like fighting City Hall -long, costly and potentially unsuccessful. At this point, the insurance company is way ahead economically and they know it. However, insurance companies also know that for those who fight back, many will win their long term disability claims.

Long term disability (LTD) insurance is not like life insurance, where the requirement for payment (death) is clear cut. In long term disability claims, - you must meet the insurance company's definition of "disability." This gives the insurance company a great deal of leeway to deny your claim. They will decide whether you are "disabled", not your doctor. It doesn't matter if Social Security or the Workers' Compensation Board found you disabled.

When possible, insurance companies will deny your claim on a technicality - even if you are severely disabled. They will use their own paid medical consultants and private investigators to help deny your disability claim. They will ask you to sign authorizations allowing them access to not only your banking, credit, tax and employment files, but also the records of your spouse! Why do they need your spouse's credit report to determine if you are disabled? They will dig into your personal medical history, invading your personal privacy and exposing things completely unrelated to your disability. Your opinion on whether you can continue working is essentially worthless in the eyes of an insurance company. The final decision is often made by a claims examiner with no formal medical training. Bottom line - they don't play fair. Fortunately, you do not have to go along with many of these insurance company games. The attorneys at Turley, Redmond & Rosasco know your rights about long term disability and how to protect them. Call us today at 1.877.NY.DBLAW or contact us online for your FREE CONSULTATION.