Limiting Access To Information During Disability Insurance Claim

Posted on: 15 April 2019

Disability insurance allows individuals who are no longer able to work to access financial resources that are needed to live. When you signed off on a disability insurance policy, you agreed to provide the insurance company with access to certain types of information during the processing of any claims you might file against the policy.

Unfortunately, some insurance companies will request access to a broader scope of information that can be used to mount a case for denial. Your attorney can help you understand how to navigate requests for information from your disability insurance provider.

Do Not Sign Anything

Once you have filed a disability claim, you should not sign anything that you receive from the insurance company without consulting with your attorney first. Many insurance companies will send out authorization requests that will give them access to a wide range of personal information.

You might not even realize you are providing access to certain types of information when you sign these authorization forms. An attorney will be able to determine the scope of the information being asked for by the insurer and advise you as to whether or not the request is reasonable.

Comply When Required

It's important to recognize that you are required to provide access to certain types of information that will be used to process your disability insurance claim. An outline of this required information is typically listed in the original policy that you signed.

An attorney can review your policy to determine your legal obligations when it comes to providing access to your information. This will ensure that you remain in compliance with the terms of your policy while limiting the invasion of privacy that can accompany a disability insurance claim investigation.

Control Access to Medical Information

It is customary for you to provide access to your medical information when filing a disability insurance claim. The insurer will need to review your medical history to determine if you are eligible for financial benefits. You must limit how this information is accessed.

Your attorney can ensure that the insurance company cannot communicate with your physicians via telephone. Limiting contact between your physicians and the insurance company will prevent any misunderstandings and give your physician the ability to prepare a statement that can be reviewed by your attorney before being submitted to the insurance company for processing.

Limiting access to your personal information is important when filing a disability insurance claim. Contact a firm, like Iler and Iler, to help you protect your privacy as you navigate the claim process.