When we think about insurance, it’s often within the context of protection against life’s unexpected events. Disability insurance is a key piece of this puzzle. This type of insurance provides coverage for instances where you may be unable to work due to illness or injury. Today, we’re going to discuss disability insurance claims with the ManhattanLife Assurance Company of America (“ManhattanLife”).
Founded in 1850, Manhattan Life is one of America’s oldest insurance providers, offering an array of insurance products, including disability income insurance. Navigating the ins and outs of making a claim can sometimes be daunting. However, knowing what to expect can go a long way in simplifying the process.
In 2018, ManhattanLife signed a definitive agreement to acquire the workplace voluntary benefits (group policy) lines of business from Humana Inc. These lines of business are primarily held under Humana’s subsidiary Kanawha Insurance Company Inc. (KIC). If you previously obtained your policy from KIC, your claim may be administered by ManhattanLife.
Understanding Your Policy
Before filing a claim, it’s important to understand the terms of your policy. What constitutes a ‘disability’ under your policy? What is your waiting period (also known as the elimination period) before the benefits kick in? What is the duration of benefits? Understanding these terms can help set realistic expectations for your claim.
Filing Your Disability Claim
The claims process with ManhattanLife typically starts with notifying them about your disability. There are disability claim forms available on ManhattanLife’s website for individual disability claims and voluntary benefits (group policy) claims.
You will need to provide specific medical documentation supporting your claim. This might include medical records, diagnostic reports, or statements from your treating physician about your disability and inability to work.
ManhattanLife aims to review claims promptly. However, the duration can vary based on the complexity of the claim and the volume of claims they are currently processing. It’s always wise to start this process as soon as possible after your disability occurs.
Dealing with Disability Claim Denials
Although ManhattanLife is a reputable insurance company, legitimate claims are sometimes denied. Denials can be due to a range of issues – from errors in the application to disputes over whether you are disabled or not.
If your claim is denied, do not give up. You have the right to appeal this decision, and it may be beneficial to involve an experienced disability insurance attorney to assist you with the appeal process. An attorney can help in reviewing the denial, gathering additional evidence, and advocating for you during the appeal review process.
A seasoned disability insurance attorney can guide you through the appeal process, help prevent common errors, and ensure that your appeal is presented in the most effective manner. Their expertise can often expedite the process and increase the chances of a successful claim.
Conclusion
Dealing with a disability can be a challenging and stressful time. If your claim is denied, navigating through the appeal process may seem overwhelming. However, with an understanding of the process and the right legal guidance, you have a better chance that your claim will be approved.
At our firm, we understand the complexities of disability insurance claims and are committed to providing the support you need. If you’re considering filing a claim or if your claim has been denied, reach out to us today. Our experienced team of attorneys is ready to help you navigate the complexities of your claim and work toward the best possible outcome.
Remember, your focus should be on recovery. Let us fight for the benefits you rightfully deserve. If you need help with your ManhattanLife disability claim, call Ortiz Law Firm today at (888) 321-8131.