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Insurance is important to help protect you from many different types of catastrophes, including a disabling illness or injury. How would you support yourself if you were unable to work? Would you be able to afford your living expenses and pay all your bills on time? Would you still be able to pay for your medical care?
A disability insurance policy is one form of protection that can help you during this difficult time. However, disability insurance companies are known for denying claims. This is because it is in the insurance company’s best interest to deny claims.
For those who have not yet filed a claim, we have tips to help you through the process. If Ohio National has wrongly denied or terminated your long-term disability claim, we can also help you through the administrative appeal process.
Filing a Disability Insurance Claim with Ohio National
Ohio National is headquartered in Cincinnati, Ohio. Founded in 1909, Ohio National Financial Services is a mutual insurance company that offers several lines of disability insurance products. They have noncancellable individual policies with benefit periods ranging from two years up to age 70. They also offer disability insurance that is designed for workers with benefit periods ranging from one year to five years.
No matter which disability insurance policy you buy from Ohio National, you’ll want to read the policy carefully so that you understand the definition of disability and any exclusions or limitations that may impact your claim. Some conditions that leave you unable to work may be considered pre-existing conditions by your insurance company. It’s very important to understand what benefits you are entitled to and what may disqualify you from receiving benefits before you file a claim.
To file a disability claim with Ohio National, you’ll need to log in to your account. Once you are logged in, go to the Service Center, and click on Claims. If you don’t have an account, you will need to create one. Most disability claim forms require that you, your employer, and your treating physician to submit a statement regarding your disability.
You may also be asked to sign a form authorizing the release of your medical records. Review the forms carefully to make sure you have not omitted any pertinent information. Failure to provide all of the information that is requested will only delay your claim.
Most importantly, do not be intimidated by the insurance company! Your financial survival is at stake, do not be intimidated by Ohio National and their claims representatives.
Ohio National Contact Information
You can contact Ohio National regarding a disability insurance claim by logging on to ohionational.com and using the contact form or by using the contact information below:
Ohio National Financial Services
P.O. Box 237
Cincinnati, OH 45201-0237
Email: [email protected]
Phone: 844.290.1790
Fax: 513.794.4521
Ohio National Disability Denials
Here are some reasons why your claim may have been denied by Ohio National:
The insurance company may have used an “independent” medical examiner to review your claim. However, these so-called independent doctors are often not truly unbiased and may conclude that you can return to work even though you’re still disabled.
Ohio National may have conducted a vocational analysis of your claim in which its vocational experts determined that you could return to work in some capacity.
Insufficient medical evidence may be cited as a reason for denial. Ohio National may claim that your medical records don’t provide sufficient evidence that you are unable to perform your job.
Many disability insurance policies have two definitions of disability – one for the initial “own occupation” period and another for the later “any occupation” period, usually after 24 months. Ohio National may review your claim during this transition period and determine that you can perform other work, thereby closing your claim.
Should I Appeal On My Own or with an Attorney?
If you’re wondering whether you should handle your appeal on your own or hire an attorney, it’s important to know that many people find it beneficial to have an experienced disability attorney on their side when dealing with disability insurance. One such attorney is Nick Ortiz, who has more than a decade of experience helping disabled individuals throughout the United States with their insurance claims. Our legal team has the expertise to assist you with various disability law issues and your claim for benefits.
Can I File a Lawsuit Against Ohio National?
Many of our cases are resolved through the administrative appeals process, but this is not always the case. If your appeal rights are exhausted and the insurer continues to uphold the denial of your claim, we can help you file a lawsuit and guide you through the litigation process.
An Experienced Disability Attorney Can Help You Get the LTD Benefits You Deserve
The Ortiz Law Firm is here to help you secure the benefits you rightfully deserve. Led by disability attorney, Nick Ortiz, our firm has successfully recovered millions in benefits for our clients. Whether your claim was denied or you’ve received a letter stating that your benefits are being cut off, don’t hesitate to contact us.
Download Free Resources
- Nick Ortiz, owner and founder of the Ortiz Law Firm, wrote a book called The Top 10 Mistakes That Will Destroy a Long-Term Disability Claim to help claimants avoid making mistakes during the difficult claims process. Click here to download a copy of the free LTD book.
- He has also prepared a disability insurance claim guide and toolkit to help those who are applying for long-term disability insurance benefits. Click here to download a copy of the free LTD claim guide and toolkit.
- If your long-term disability claim has been denied, you may benefit from our long-term disability appeal guide. It includes appeal letter templates, medical record request forms, and more for those who prefer a DIY approach. Click here to download a copy of the free LTD appeal guide.
Request a Free Case Evaluation
We understand the challenges of fighting insurance companies like Ohio National, and our past experience has given us valuable insight into the most effective strategies for winning a long-term disability claim. Call us at (888) 321-8131 or click the button below to schedule a free case evaluation with an experienced disability attorney.
Have an Expert Review Your Policy
Many people who are unfamiliar with insurance policy language and can easily misinterpret or fail to understand their disability insurance policy. For those who are considering purchasing disability insurance or who have recently purchased a policy, we offer our expertise to help you understand your policy’s terms and identify any potential gaps in your coverage that could lead to a claim denial.
Areas of your policy that we will review include (but are not limited to):
Just fill out the form below to get started.
