• Unum Disability Company Forced to Extend Disability Insurance Coverage to DoctorUnum Disability Company Forced to Extend Disability Insurance Coverage to Doctor

Since my policy contains a Waiver of Premium While Disabled Provision, should I still pay the premium for my long-term disability insurance policy while my long-term disability claim is under review?

Many individual and group disability insurance policies contain Waiver of Premium provisions that allow for the waiver of the annual premiums while you are disabled. However, if your claim is pending and under review, you should continue to make all premium payments which become due until the long-term disability insurance carrier informs you that your claim has been approved and you no longer need to continue making premium payments. Once your disability claim has been approved, the disability carrier will reimburse you the amount of any premiums paid after your date of disability.

If you fail to make the premium payment and the disability carrier determines that you are not disabled then your policy will lapse, and the disability carrier will likely refuse to once again insure you since you are now a high a risk individual due to your reported medical condition, despite the fact that the disability carrier does not find you to be disabled. Insurance companies seek to insure low risk individuals that are unlikely to file disability claims, as opposed to high risk individuals with existing medical conditions. You may still pursue your existing disability claim; however, you will need for the insurance company or a court of law to overturn the denial of benefits in order for the disability policy to once again become effective.

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There are 2 comments

  • Katherine, carriers are generally allowed to conduct a reasonable investigation to determine whether you continue to satisfy the Policy requirements for disability. There can be limits to the extent of the investigation if the information or documentation being sought is not relevant or is unreasonable and there are ways to limit the dissemination of confidential information. I suggest you contact our office and speak with one of the attorneys to address any questions you have regarding your specific situation.

    Jay SymondsNov 28, 2018  #2

  • I became permanently and totally disabled 7 years ago. I had a short term disability policy, a life insurance policy and a disability waiver of premium policy for the STD and Life insurance policies. I exhausted my STD benefits. I was then approved for SSD benefits with a 5-7 yr review period. I have continued to receive the disability waiver of premium for my life insurance, which I must recertify each year. This past year, a new plan administrator took over & they want a bunch of info. I am uncomfortable providing. They initially sent me the usual two forms, one for and one for my doctor. These were completed and returned recertifying my continued TPD.

    Now, the company is demanding I sign a release of information form for ALL my medical records, to conduct an investigative background check and to release all my SSN records. They also indicate they will provide information received to the MIB. This just seems like overkill. Do I have to provide this info and is there any way to limit dissemination of my confidential medical information?

    KatherineNov 27, 2018  #1

FAQ

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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I was very anxious and cautiously optimistic about getting back my disability benefits from Prudential. From my first call, Stephen explained the procedure in depth. When I had questions and concerns, they were handled promptly and professionally by both Stephen and his assistant Vanessa. I can’t express my thanks enough! This is such a relief! I can pay my bills now! It is shameful that insured people have to be subjected to this kind of trauma, just to get what they already paid for! Shame on you, Prudential!

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