Life might have felt predictable before you got hurt, but now you are left trying to figure out the right path forward. If you can no longer work because of your injury, that path may include long-term disability benefits. Insurance law in Washington and across the country does not make it easy for you to navigate this system, though. You may want to consider some of the following when claiming benefits.
There are two ways to secure long-term disability coverage, one of which is by privately purchasing a policy. Making a claim should resemble making claims for other types of coverage, like health care or auto insurance. While this might make the process of filing straightforward, it also means that the insurance company might deny your claim just as easily. You should do your best to be prepared to answer any tough questions your insurer might have.
Unfortunately, things can get complicated if your employer provided your long-term disability policy. This is because ERISA — The Employee Retirement Income Security Act — governs most employee-sponsored claims. ERISA actually complicates the claims process much more often than it helps. Your insurance company might even try to wrongfully deny your claim and then blame ERISA, hoping that you will not understand what is going on and accept the decision.
You deserve more than just the runaround when filing for your long-term disability benefits. Expenses can build up fast after an injury, and you do not have time to let the insurance company play its game. If you are ready to learn more about your options and Washington insurance law, please visit our website.