Long-Term Disability Insurance for Comptrollers
Your role as a comptroller likely requires meticulous attention to detail, accuracy, and critical thinking. As a result, your ability to perform your job can be compromised if you suffer from a long-term disability that affects your ability to work.
If you cannot perform your work as a comptroller and have long-term disability insurance, you may be entitled to benefits. The long-term disability attorneys of Abell and Capitan Law can help you seek benefits through your long-term disability insurance. We can also help you appeal a wrongful denial of benefits. Contact us today at [phone number] or fill out our online form for a confidential consultation.
What Is Long-Term Disability Insurance
Employers often provide long-term disability insurance. The purpose of this benefit is to replace a portion of your income if you cannot work because of a long-term illness or injury. Long-term disability insurance usually provides a percentage of your pre-disability income for several months or more, depending on your policy.
To qualify for your long-term disability insurance, you must have a disability that is covered under your policy. Therefore, you should carefully review your insurance policy to understand whether you qualify and how much of your income you will receive as a benefit.
What Is “Own Occupation” Insurance
An “own occupation” disability insurance policy is one that you can usually purchase and has a lower eligibility threshold. For example, many “own occupation” insurance policies will provide benefits if you can no longer work in your specialized field. As a result, if you cannot perform your meticulous work as a comptroller and have an “own occupation” policy, you may be entitled to benefits.
However, it is essential to remember that because the threshold for benefits is usually lower, the policy may be stricter on how long you can receive benefits. For example, some policies only provide benefits for two years. In contrast, other companies will require that you cannot work any job after two years to continue receiving benefits.
What Is a Long-Term Disability Claim?
A long-term disability claim is one you file when you cannot work because of a covered long-term disability. These claims may be complex and require several steps, including:
- Notify your employer: If your employer provides your long-term disability insurance, you are usually required to notify them of the disability and possible claim.
- Notify the insurance company: Sometimes, your employer will notify the insurance company on your behalf. If they don’t, or you have private disability insurance, you should contact your insurance company.
- Gather necessary documentation: To file your disability claim, you must provide evidence supporting your claim. Therefore, it is essential to gather documents like your medical records and doctor’s statements.
- Complete the required claim forms: Typically, you must fill out specific forms to get your disability benefits. Failing to do this could result in the insurance company denying your claim.
- Submit all requested forms and documentation: You should file your claim and supporting documents in accordance with your insurance policy. Failing to do this may result in your insurer denying your claim.
Medical Conditions a Comptroller May Face
As a comptroller, you have a stressful job and can face various medical conditions that could impact your ability to work. Some common medical conditions that could result in your long-term disability include:
- Repetitive stress injuries: As a comptroller, you likely spend a lot of time typing at a computer. As a result, you are at risk of repetitive stress injuries, such as carpal tunnel.
- Back pain: You likely spend much time sitting at your computer or in meetings. Prolonged sitting may result in back problems that can cause severe pain.
- Vision problems: Looking at a computer all day can put a massive strain on your eyes, leading to severe vision issues.
- Chronic pain: Dealing with chronic pain can make it difficult to work, so if you cannot work because of chronic pain, you may be eligible for disability benefits.
- Mental health conditions: As a comptroller, you likely experience long hours and tight deadlines. These pressures can lead to mental health issues that make working difficult.
Why Insurance Companies Deny Long-Term Disability Claims
Insurance companies can and will deny claims if you do not meet their strict requirements. Some common reasons that long-term disability claims receive denials are:
- Not a covered disability: Your insurance policy will have a strict definition of disability. If your medical condition does not fall within the definition of disability, the company will likely deny the claim.
- Not enough medical evidence: To support your claim, you must provide evidence. Failing to provide enough evidence might result in the denial of your claim.
- Pre-existing conditions: You cannot claim a pre-existing condition as a disability unless it’s covered under your policy. However, if your claim is unrelated to your pre-existing condition, your claim may have been wrongfully denied.
- Failure to comply with treatment requirements: You must often complete specific treatments to qualify for benefits. Failing to satisfy your eligibility requirements will result in the denial of your claim.
- Missed deadlines: Your policy should outline your filing requirements, including deadlines. If you miss a deadline, you likely will not be eligible for benefits.
- Failure to submit required documentation: You must submit specific documents when filing your claim. The insurance company might deny your claim if you do not submit the required documents.
If your insurer wrongfully denied your disability claim, an experienced attorney could help you appeal the decision.
Why Choose Abell and Capitan Law As Your Long-Term Disability Insurance Lawyer
Whether you are attempting to file your claim, or your claim has been denied and you need to appeal the decision, the long-term disability team at Abell and Capitan Law can help by:
- Gathering evidence to support your claim
- Reviewing your claim
- Negotiating with the insurance company
- Filing an appeal
- Representing you in court
Long-term disability insurance can help you get through a difficult time. If you have been wrongfully denied your disability benefits, we are ready to fight for the compensation you deserve. With our experience, we can help you navigate the complex claim process and reduce your stress. To discuss your legal options and have your case evaluated by one of our attorneys, contact us online or at (267) 419-7888.