Anthem Insurance Long-Term Disability Claims Attorney
Whether you have a personal policy or a policy through your employer, you pay for long-term disability coverage to ensure that should the unthinkable happen, you are protected. Unfortunately, the application process is overwhelming, complicated, and difficult to get through when you are already trying to manage a debilitating illness or injury.
Long-term disability coverage through Anthem is supposed to be a safety net for those faced with a condition or injury that prevents them from returning to work for the foreseeable future. The company touts personalized plans and coverage that fit your lifestyle and budget. With more than 5.8 million members, the Anthem family is substantial, but that doesn’t mean that peace of mind comes easy.
The long-term disability lawyers of Abell and Capitan Law help individuals and their families seek the benefits they deserve. Whether you are just starting the application process or you have already been denied, we can review your situation and find ways to help you achieve the most positive outcome possible.
To talk about your Anthem long-term disability claim, contact us today by calling (267) 419-7888. The consultation is free. Don’t wait–let’s get started getting you the benefits you deserve.
Do I Need an Anthem Disability Insurance Claims Lawyer?
If you need to file an Anthem disability insurance claim, chances are you are not feeling your best, mentally or physically. Significant changes in your health and well-being can take a heavy toll not just on your body but also on your mind as you cope with a lifestyle change. The recovery process can be a full-time journey, yet, in the meantime, you still have the same worries of how you will pay the bills, make ends meet, and continue to provide for yourself or your family.
How does this answer the question of whether you need an Anthem insurance claims lawyer? Simple. You need someone to help take the burden off of your shoulders, and a lawyer with Abell and Capitan Law can help do just that.
The disability insurance claims process is not a simple one. There is a great deal of lengthy paperwork, follow-up questions, and medical documents that go into filing an Anthem disability claim. When you are already in a vulnerable state, this process can become overwhelming. Miss one detail or forget one item, and your claim can be denied by Anthem without a second thought. An experienced disability insurance lawyer knows what the insurance adjuster is looking for and can help you gather the materials needed to build the strongest claims case possible.
An experienced Anthem disability claims attorney can also handle all communications for you and negotiate with Anthem on your behalf for a fair sum of money. We also want to ensure that Anthem is treating you fairly and negotiating in good faith. From helping you file your claim, through the negotiation process, to helping you appeal a denial if need be, at Abell and Capitan Law, we are with you every step of the way to guide you through the claims process.
Why Choose Abell and Capitan Law to Handle My Disability Insurance Claim?
At Abell and Capitan Law, we know that you have a lot of options to choose from when it comes to picking a disability insurance lawyer. We strive to set ourselves apart by the way we treat our clients: with respect and dignity. We know you are going through a trying time right now and need more than just legal support. You need a compassionate advocate who is willing to go the extra mile for you.
While we believe our relationships with our clients speaks for themselves, we are also proud of the many accolades that we have received over the years from our peers in the legal community. Joe Capitan is proud to have been named a Pennsylvania Rising Star by Super Lawyers for five consecutive years. He is also a proud member of the Philadelphia Bar Association, Pennsylvania Bar Association, and the Pennsylvania Association for Justice.
Erik Abell is a founding partner of Abell and Capitan Law and has been fighting disability insurance claims since 2015, shortly after his graduation from law school. He is a member of the Kentucky Bar Association and the Kentucky Justice Association. He is also licensed to practice in several U.S. district courts across the county.
Why choose Abell and Capitan Law to handle your disability insurance claim? Because first and foremost, we care about what’s most important: you. We also work on a contingency basis. We understand that money may be tight as you cope with medical bills and argue with an insurance adjuster. We can review your case, and if we take it, we will not charge you until your claim gets paid. We even help get you started by offering a free, no-obligation case evaluation.
How Can Abell and Capitan Law Help with My Anthem Long-Term Disability Insurance Claim
The attorneys with Abell and Capitan Law are experienced at handling a wide range of Anthem disability claims from day one of the process all the way up to a claim’s denial and appeal. It is always best to get an attorney on your side immediately, but no matter what stage of the process you are in, an attorney with Abell and Capitan Law may be able to help. Here’s how:
The Application Process
The application process may seem like the easy part, but unfortunately, it’s not. The application process is detailed, time-consuming, and complicated. Long-term disability claims are meant to cover injuries and illnesses that can keep victims out of work for an extended length of time. This means that these types of claims may be expensive for a company to pay out, even when they are not covering 100 percent of a person’s income loss.
Many of Anthem’s plans can cover between 60 to 66 percent of a victim’s income for the length of time that the policy specifies. However, specifics always depend on the type of policy or coverage that an individual or family carries.
The application process is more than just filling out a form. You must make sure that your condition or injury qualifies for long-term disability reimbursement. You will also need to complete a detailed long-term disability claim application. In addition to this application, you will need a medical statement from your physician. You may also need a statement from your employer.
Other materials and medical documentation could be necessary to strengthen your claim against unfair or uninformed denials. There may be other requirements for your specific long-term disability plan as well.
Hiring an attorney at this stage is the best way to strengthen your case from the get-go. It means you will have the best opportunity at a positive outcome for your claim and may help avoid unfair denials.
The Negotiation Process
You may have already successfully filed a long-term disability claim with Anthem. Congratulations! It feels like the battle is half won. Unfortunately, the negotiation process is still ahead. Yes, you can negotiate with an insurance company, and you should to make sure that you are getting the full and fair value of your claim.
At Abell and Capitan Law, we understand that this part of the process may make some people feel uncomfortable. It already feels like a victory just getting your claim approved. Yet, an attorney negotiating on your behalf has the power and the resources to help ensure that your claim is being handled fairly and the amount you are being paid is correct and fair. Even if your claim has already been approved, you can still hire an attorney to help communicate with Anthem and negotiate on your behalf for the best outcome possible.
The Denial Process
Even if you have already filed a claim and felt the sting of denial, you may still have a case. With the information from Anthem about the nature of the denial, an attorney can help you mount a defense and lead you through the appeals process. While it is understandable that you may feel down and disappointed after a denial, it is important to contact an attorney for help as soon as possible. You only have a limited amount of time to mount an appeal. An attorney can be a valuable resource when it comes to gathering the necessary documentation to help you try to overturn the denial.
A denial is not the end of the line. There is still hope, and an attorney with Abell and Capitan Law can put you in the best possible position to file a successful appeal.
While most insurance disability claims are settled outside of a courtroom, there are circumstances where a denial may be grounds for legal action. This can happen when a company negotiates a legitimate disability claim in bad faith, downplays the severity of a condition or injury, or otherwise uses tactics to unduly deny a claim.
Insurance companies are for-profit businesses. Maintaining high-profit margins can come at the expense of paying out certain insurance claims in some circumstances. Some companies may resort to bad faith tactics to deny claims, hoping that the individual won’t bother with or won’t be able to afford an attorney to more closely examine the denial.
If unfair tactics or bad faith behaviors were used to deny your legitimate long-term disability claim, an attorney may be able to help negotiate a decision reversal or take the company to court. At Abell and Capitan Law, fighting for your rights and getting you the money you deserve are our top priorities.
Contact an Anthem Disability Insurance Claims Lawyer Today
You don’t have to go through the long-term disability application process alone. In most cases, hiring an attorney to help you handle your claim will strengthen your case and may help you achieve a more positive end result.
If you are sick or injured and are at any point in the long-term disability claim process, contact the legal team at Abell and Capitan Law for help. We can review your case and help get you the money you need. For a free case evaluation, call us at (267) 419-7888 today.