Chubb Limited is an insurance company that sells a broad range of different insurance products, including long term disability insurance. But because Chubb isn’t primarily known as a long term disability insurance carrier, it can be tough for claimants to find information about what to expect when seeking disability benefits. Unlike group long term disability policies that are offered through an employer (and must be litigated in federal court), Chubb policies are generally individual policies targeted toward specialty professions ranging from chiropractors to dentists. This can make these policies a little different from standard long term disability policies, and claimants must proceed quickly and efficiently when seeking disability benefits from Chubb. At Disability Insurance Attorneys Dell & Schaefer, our team of disability insurance attorneys has extensive experience in helping long term disability claimants secure their benefits. Learn more about what your Chubb disability insurance claim process may look like.
Chubb Uses Third Party Claim Handlers to Review and Administer Your Disability Claim
Chubb’s range of insurance products is so extensive that when it comes to long term disability claims, it outsources the review and approval process to third party handlers, including the Lincoln National Life Insurance Company. These handlers work exclusively in long term disability products, but that doesn’t necessarily mean any one reviewer is familiar with the language of a particular claimant’s disability policy. Claimants can benefit from legal advice before they ever file a claim to ensure the claim packet is as comprehensive and complete as possible.
Then, after a disability claim has been approved, these claim handlers will continue to administer the benefits and monitor the case. Over time, a claimant is likely to be asked for additional medical records or other documentation to prove the long term disability benefits should continue. Some policies are written to terminate benefits at a specific age (like 60 or 65), while others provide a “lifetime” of benefits.
An Immediate Lawsuit is not Always the Best Option for a Client Seeking Disability Benefits
Because Chubb doesn’t administer its own long term disability claims, there are some potential claims that can be asserted against both Chubb and the third party administrator – but a lawsuit isn’t always the best option for disability claimants. In many cases, there may be some deficiencies in the administrative record that should be corrected or supplemented before the denial is appealed. By seeking out additional medical records, outside evaluations like an independent medical exam or vocational assessment, or other evidence supporting a disability claim, the claimant can significantly improve their odds of approval on appeal.
A civil lawsuit is usually the option of last resort after a claim has been denied initially and denied again on appeal.
We Help Claimants Apply for Benefits to Give the Best Chance for Claim Approval
Chubb long term disability insurance policies can include complicated language and strict time limits for applying for benefits. These administrative burdens can come at the exact wrong time, as few who are dealing with disabling injuries or conditions have the time and mental energy to devote to creating a disability claim file. And once a claim is denied at the initial stage, the claimant must take a certain route through the appeal process to avoid waiving their right to receive benefits later.
Seeking legal advice from the disability insurance attorneys at Dell & Schaefer can help offload these responsibilities to professionals who are well-equipped to manage them. Our experienced long term disability insurance attorneys have helped thousands of disability claimants receive their benefits (and continue receiving their benefits), and we can help you. If you’re wondering about your rights under a Chubb long term disability policy, give us a call today to set up your FREE consultation with a member of our team.