Colonial Life initially rejects numerous disability claims upon receipt. The knowledgeable disability team at Osterhout Berger Disability Law aids numerous clients who have had their disability claims denied by Colonial Life. Numerous individuals in the United States choose to obtain disability insurance from Colonial Life as an additional coverage to their employer-provided disability insurance plans. Alternatively, some individuals may solely depend on the coverage provided by their employer’s disability insurance policy through deductions from their payroll. Disability insurance is designed to assist individuals in covering their expenses in the event of disability and the inability to resume work.
What you need to know about Colonial Life claims
This typically helps alleviate the pressure from the situation. Our knowledgeable attorneys at Osterhout Berger Disability Law can guide you through the procedure of submitting a claim and we can also assist you in appealing a rejection if you happen to receive one. That is why it is crucial that you go through this process calmly and thoroughly. The insurance companies, such as Colonial Life, do not consider this when you have to go through the claims procedure. If you encounter delays or receive a rejection letter, things become even more tense. Once you file the claim, there is a waiting period from when you submit the claim to when you receive any correspondence from the insurance company. The forms that you will need to complete are comprehensive and involve multiple parties. Undergoing a claims process can be overwhelming.
Submitting a disability claim to Colonial Life
You can submit your claim to Colonial Life by either submitting it online, faxing the completed paperwork, or mailing in the completed form. The form consists of three sections: a statement from the claimant, a statement from your employer, and a statement from your attending physician. There may be additional sections that will require your consent or signature. Make sure not to overlook these sections, even if they are not part of the main sections. Any incomplete sections could give the insurance company grounds to delay or deny your claim. It is important to avoid giving the company any reason to delay or deny your benefits.
What to do if Colonial Life delays your claim
If you are waiting to receive the benefits, it might be more common for you to think that moving along the process can help, rather than desperately needing it. Experienced disability lawyers can identify insurance tactics that delay claims. It may be time to seek legal help if you don’t get a straight answer. Your claim is delayed, so you should reach out to the insurance company to check the status.
What to do if Colonial Life denies your claim
If you end up having to sue your company, the information contained in your file will be able to be used. Additionally, your disability lawyer supports your claim, which will also be supported by the positive information in your file. In order to increase your chances of winning your appeal and strengthen your claim, the knowledgeable lawyer may advise you to submit additional medical tests or exams. During your appointment with an experienced disability attorney at Law Disability Berger Osterhout, they will review your claim and advise you on the best approach. Make sure to bring both your claim file and your letter. When you receive the notice of denial from the insurance company, include all the information they relied on to deny your claim and request a copy of your file from the company.
Background on Colonial Life
The headquarters of Colonial Life is located in Columbia, South Carolina. The organization has over 3 million policies active and serves almost 65,000 businesses throughout the United States. It offers a range of insurance products to both employers and individuals across the country, such as disability, cancer, life, hospital confinement, accident, and critical illness policies. Colonial Life became a subsidiary of Unum in 1993, but it continues to operate autonomously. It was originally established in 1939.
Understanding disability insurance from Colonial Life
The majority of the policies offered are short-term disability plans, and there are also individual policies available from this insurance company. Employers are able to select the terms for their employees’ individual and group disability policies. Colonial Life sells group disability insurance plans that are covered by ERISA, as well as individual disability policies. Policyholders do not simply lose their coverage because of job changes, meaning that the policies are portable and also available from this insurance company.
Colonial Life’s short-term disability insurance
Typically, when it comes to your period of benefit, the Colonial Life insurance company offers options to benefit your insurance but currently does not offer long-term disability insurance. Instead, they offer weekly basis benefits with short-term disability insurance. Generally, this insurance covers a percentage of your income and you are entitled to receive these benefits if you have a condition that the insurance company considers as a disability. It is important to understand what Colonial Life defines as a disability so that you know what you are entitled to under this policy. This insurance offers income protection to those who are unable to work for a short amount of time due to disability.
This means that it will also have the benefit of costing you less in premium for a longer period of time with this specific insurance company. However, keep in mind that you will have a period of time between the date that you are determined by your attending physician to be unable to work due to disability and the start of receiving benefits. During this time, you may have to go through an elimination period before you can start receiving benefits.
Appealing a denial from Colonial Life
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When you collaborate with your seasoned disability attorney, it is crucial that you heed their counsel and adhere to the guidance provided. Our primary focus is to assist you in prevailing in your appeal, and the advice we offer is specifically tailored to aid you in this endeavor. To arrange a consultation with one of our knowledgeable disability lawyers, please contact Osterhout Berger Disability Law today.