You may think that if you are suffering from a set of combined aliments that your claim should get approved even faster than if you only suffered from one ailment. But in fact, the opposite is true.
The insurance company may have the file reviewed by a “peer review” physician, who will likely issue a report questioning any opinions issued by your own treating physicians.
The insurance company may have you examined by an “Independent” doctor. The word independent is in quotes as we do not believe most of these physicians are really independent. We prefer to call these exams “Compulsory Medical Examinations.”
The insurance company may have a vocational expert/consultant (a job expert), review your file and issue opinions as to whether you can perform work activity given restrictions identified by doctors in the file.
Long term disability companies are well-known for hiring third-party investigators to put claimants under surveillance.
During a long term disability case, it is common for the insurance investigator to request a “field interview”. Field Interviews are used to discredit claimants filing for disability.
In this article, we are going to discuss the field interview requests that commonly come from long term disability insurance companies and what to do during a field interview.
Long term disability companies can use your social media accounts against you.
If you purchased an individual policy directly with an insurance agent/broker or insurance company, then this chapter directly applies to you.
Buyout offers are made by the insurance company while you are receiving long term disability benefits. Settlement offers occur when you’ve been completely denied benefits and you’re trying to negotiate a settlement with the insurance company either right before filing a lawsuit or after filing a lawsuit.
The United States courts of appeals (or circuit courts) are the intermediate appellate courts of the United States federal court system. That means they are the level between federal district courts and the Supreme Court of the United States. A court of appeals decides appeals from the district courts within the states in its federal judicial circuit.
The United States Court of Appeals for the Eleventh Circuit is a federal court with appellate jurisdiction (authority to hear appeals) from district courts in Florida, Alabama, and Georgia.