Workers that make disability insurance claims, often have to
deal with different obstacles, before they can receive any kind of payment. The
reason they have to jump through all these different hoops is the increase in
insurance fraud cases. Insurance fraud cases, and people who commit them, are
making it difficult for the honest policy holders to get payments for their
claims.
Claim Hurdles
Some of the obstacles that are present in the whole claim
process are unavoidable, but there are some that can be avoided. Following is a
list of hurdles you will likely face when you go to make a disability claim:
Interpretation
The biggest obstacle in your way is misinterpretation of the
terms and regulations that your insurance policy has. This can easily be
avoided by speaking to your insurance company’s representative if you have any
queries about your policy or disability claim. Make sure that you do this
before you file the paper work for the claim, to avoid any inconveniences.
Claim Delay
This is one of the unavoidable obstacles mentioned above;
insurance companies sometimes employ ‘delay tactics’ when processing the
disability claims of policy holders.
Completing Medical Documentation
Many claims are denied because their medical documentation
is incomplete or isn’t properly filed. To avoid this, you have to be insistent
with your physician about being meticulous about every medical document that
he/she provides you with.
Investigation
Insurance companies can choose to investigate a claim, if
they are doubtful about it. They may even employ an insurance fraud investigation unit, like NSIU, which
may or may not keep you under surveillance for insurance investigation purposes. But if you
have the proper paperwork filed and your disability claims seems genuine, then
it might not come to this at all.
Independent Examinations
Insurance companies may ask you to undergo a medical exam
from an independent medical professional. You can deny it, but this will incur
an investigation of your claim, which would be worst.
Subjective Symptoms
Injuries which have self-reported symptoms are the hardest
to prove. It is up to you to overcome this obstacle, the best you can do is to
have the right medical documents and comply with all the requests of the
insurance company.
If you take every precaution possible, your disability claim
should be processed smoothly and quickly. The information above can help you in
this regard.
Company Introduction
National SIU (Special Investigation Unit) is a professional
investigation firm that specializes in surveillance and other services specifically
for risk managers and insurance professionals. The organization’s main goal is
to provide their clients with effective evidence which can be used to uncover the
truth.
For more information, please visit http://www.nsiu.com/Home
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