When we think about insurance, it’s often in the context of protecting against life’s unexpected events. Disability insurance is an important piece of this puzzle. This type of insurance provides coverage in the event that you are unable to work due to illness or injury. We will discuss long-term disability insurance claims with the Manhattan Life Assurance Company of America (“Manhattan Life”).
Founded in 1850, Manhattan Life is one of America’s oldest insurance providers and offers several insurance products, including disability income insurance. Navigating the ins and outs of filing a claim can sometimes be daunting. However, knowing what to expect can go a long way toward simplifying the process.
In 2018, Manhattan Life signed a definitive agreement to acquire the voluntary workplace benefits (group insurance) lines of business from Humana Inc. These lines of business are primarily written by Humana’s subsidiary, Kanawha Insurance Company Incorporated (KIC). If you previously purchased your policy from KIC, your claim may be administered by Manhattan Life.
Understanding Your Manhattan Life Disability Insurance Policy
Before filing a claim, it’s important to understand the terms of your policy. What does ‘disability’ mean under your policy? What is your waiting period (elimination period) before the benefits begin? What is the duration of benefits? Understanding these terms can help you set realistic expectations for your claim.
Filing Your Long-Term Disability Claim
The claims process with Manhattan Life usually begins with notifying the insurer of your disability. Disability claim forms are available on Manhattan Life’s website for both individual disability claims and voluntary benefit (group policy) claims.
You will need to provide specific medical documentation to support your claim. This may include medical records, diagnostic reports, or statements from your treating physician regarding your disability and inability to work.
Manhattan Life will attempt to review claims promptly. However, the length of time may vary depending on the complexity of the claim and the volume of claims currently being processed. It’s always wise to begin this process as soon as you become unable to work.
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Dealing with Disability Claim Denials
Although Manhattan Life is a reputable insurance company, legitimate claims are sometimes denied. Denials can occur for a variety of reasons – from errors in the application to disputes about whether or not you are disabled.
If your claim is denied, do not give up. You have the right to appeal this decision, and it may be beneficial to hire an experienced disability insurance attorney to help you with the appeal process. An attorney can help review the denial, gather additional evidence, and advocate for you during the appeal review process.
FREE RESOURCE: Long-Term Disability Appeal Guide
An experienced disability insurance attorney can guide you through the appeal process, help you avoid common errors, and ensure that your appeal is presented most effectively. Their expertise can often expedite the process and increase the chances of a successful claim. If Manhattan Life upholds its denial on appeal, an attorney can also file a lawsuit.
We Help Claimants Nationwide Win Disability Insurance Claims with Manhattan Life
Dealing with a disability can be a challenging and stressful time. If your claim is denied, navigating the appeals process can seem overwhelming. However, with expert legal advice from someone who understands the process, you have a better chance of having your claim approved.
At the Ortiz Law Firm, we understand the complexities of disability insurance claims and are committed to providing you with the assistance you need. If your claim has been denied, we can help. Our experienced team is ready to work toward the best possible outcome. Remember, your focus should be on getting better. Let us fight for the benefits you rightfully deserve. If you need help with your Manhattan Life disability claim, contact us online or call (888) 321-8131.
