Private Disability Benefits

Disability Insurance coverage is designed to provide assistance to individuals who are injured, ill, or disabled and unable to work by paying them all or a portion of their salaries. Private disability benefits coverage can be obtained through an employer or through the purchase of a private insurance coverage.

Filing a Private Disability Benefits Claim

Most insurance companies in California are profit oriented so you must be fully aware and careful. If you have been disabled from work and you need to file a claim, keep in mind of these things:

• Disability claims are primarily based on medical issues. Thus, it is important to get an active support from your qualified medical doctor. Be sure to continuously document your medical conditions even after approval of your claim because the insurance company may cut off your benefits if they determined that your illness no longer meet their definition of disability.
  
  
• Make sure that you document the real and specific nature of your illness and functional limitations.
  
  
• Seek the advice of a reputable Los Angeles social security disability attorney before filing your application.

A disabled worker may be eligible for both private disability insurance and Social Security Disability Insurance (SSDI) benefits and may also collect benefits from both of them. However, if you are receiving SSDI benefits, your private disability insurance benefits will be offset by the amount of your SSDI benefits.

Similarly, some private disability insurance policies may either deny or reduce the benefits of a disabled worker who is already receiving worker’s compensation benefits after being injured on the job.

If your claim for private disability benefits claim was denied, you may pursue an administrative appeal within specific period as required on your policy. However, if your appeal was again denied, you may file a lawsuit.

To help reduce your problems in filing your disability claim, get assistance from our team of legal experts. Our California private disability lawyer can help you pursue your claims or represent you in hearings, appeals, and lawsuits involving social security and/or private disability benefits.

Call us at our toll-free number and avail yourself to our free case evaluation.