• AIG American General Disability Benefits Overview & Tips to Get ApprovedAIG American General Disability Benefits Overview & Tips to Get Approved

AIG American General Disability Benefits Overview & Tips to Get Approved

If you have a long term disability insurance policy through AIG, often known as American General, you may be wondering what to expect when you submit a claim for disability benefits. Although AIG isn’t one of the biggest players in the long term disability insurance world, it issues enough policies that the team at Dell & Schaefer has plenty of experience when it comes to handling AIG disability claims. Read on to learn what we’ve discovered about AIG’s processes and what they’re looking for when they evaluate a disability insurance claim.

AIG American General Life Insurance Company Disability Benefit Claim Tips and Overview

Most AIG American General long term disability policies are offered through an employer (known as an ERISA policy), not offered on the open market. This means you can expect your claim to proceed in federal court, rather than state court. Because they’re litigated under federal law, ERISA claims are governed by different standards and rules than state law breach-of-contract claims. An ERISA claim is generally handled the same way no matter where you are in the country, while the outcome of a state law contract claim will vary widely based on where it is filed.

The Five Most Important Things To Know When Filing an AIG Disability Benefit Claim

The first question to ask about your AIG long term disability policy is how long you’ve been covered. If you’ve only had this policy for a year or less, you may be at risk of running into a pre-existing condition clause – that is, if you visited a doctor for a certain condition within the three to six months before you began coverage under the policy, it may be excluded as a pre-existing condition.

From a more substantive standpoint, it’s important to know how your policy defines “disability.” Is a claimant disabled whenever they can no longer perform their own occupation (an “own occupation” disability clause), or is a claimant disabled only when they can’t perform any occupation (the “any occupation” disability clause)?

Next, you’ll want to know what’s contained (and absent) from your medical records. Has your condition been properly documented, and is it clear from your medical records that this condition is keeping you from working?

Finally, you’ll want to identify your disability policy’s elimination period. The elimination period is the length of time between the onset of your disability and when you can begin receiving disability benefits.

Steps that Must Be Taken if Your AIG Disability Benefits Claim is Denied and Appeal Tips

The ERISA mechanisms really begin to kick in when a claimant needs to appeal their AIG disability claim denial. ERISA requires a claimant to file an administrative appeal before they can file a lawsuit, and this appeal must be filed within 180 days after the disability claim is denied.

The ERISA appeal presents the most important opportunity for a claimant to create a complete record. If the appeal is denied and the claimant chooses to sue, their evidence is limited to the evidence they presented in the appeal record. This means the appeal is the time to gather all necessary information to support the benefit claim, including additional testing or records from a medical specialist.

Creating a Custom Attending Physician Statement is a Great Tool to Help Win an AIG Appeal

When reviewing your AIG disability claim, the reviewing representatives want to see a few key things. Unfortunately, these elements are hard to include in the limited space most claim forms provide. By creating a custom attending physician statement that includes a detailed explanation of how your disability prevents you from working, you’ll be well equipped to show your entitlement to long term disability benefits.

Whether you’re just preparing to file your claim for AIG disability benefits or are hoping to prevail on appeal, Dell & Schaefer can help. Our experienced team has tackled hundreds of AIG claims and can help you navigate the ins and outs of your policy. Get in touch to set up your FREE consultation today.

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FAQ

Do you help AIG claimants nationwide?

We represent AIG clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a AIG disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from AIG. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by AIG.

How do you help AIG claimants?

Our lawyers help individuals that have either purchased a AIG long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with AIG:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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