How would you support yourself if you become unable to work? Would you pay your bills on time and afford your usual living expenses? How would you be able to afford the medical treatment that you need? Insurance is important to help protect you from many different types of disasters, including a disabling illness or injury. Disability insurance from Ohio National Financial Services is one type of protection that can help you during this difficult time.
However, Ohio National does not always approve claims for long term disability benefits. It is in the insurance company’s best interest to deny claims. If your claim was wrongfully denied or terminated, Ortiz Law Firm will fight back against Ohio National for you. For those who have not yet filed for benefits, keep reading for tips to help you through the process.
Ohio National Disability Denials
Ohio National is based 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 non-cancellable individual policies with benefit periods ranging from two years up to age 70. They also offer disability insurance that is designed for laborers with benefits periods ranging from one year to five years.
Regardless of the disability insurance policy that you have from Ohio National, you’ll want to read the policy carefully. Not all insurance companies define disability in the same way. Some conditions that leave you unable to work may be considered pre-existing conditions by your insurance company. It’s extremely important to understand what benefits you are entitled to, and the exclusions they may disqualify you from receiving benefits before you submit a claim.
If Ohio National has denied or terminated your disability insurance claim, you may be wondering whether you should file your own appeal or hire an attorney. Many individuals with a disability insurance policy need to hire an experienced disability attorney to fight for the benefits they deserve. Disability insurance attorney, Nick A. Ortiz, has over a decade of experience representing disabled individuals in their insurance claims across the United States. Our legal team has the skill and insight necessary to help you address a wide range of issues relating to disability law and your claim for benefits. The video below answers the question as to whether you should take the “do-it-yourself” approach and file your own appeal to a denial letter.
Reasons Your Claim May Have Been Denied
There are several reasons why Ohio National may deny a claim for benefits:
- Ohio National had your claim reviewed by an “independent” medical professional. This means that your medical records were sent to one of their doctors, and based upon that doctor’s opinions, the insurance company says they think you could go back to work. Unfortunately, the doctor is not truly independent;
- Ohio National ordered a vocational analysis of your claim. This means that the insurance company sent your file to one of their job experts who determined that you can return to work in some capacity;
- There just isn’t enough medical evidence. Ohio National may say that ”we don’t think that the evidence in your medical records shows that you are unable to perform your job.”
- There’s a change in the definition of disability. Most disability insurance policies have two definitions of disability, one for the “own occupation” period and one for the “any occupation” period. The change in definition typically occurs after 24 months. Ohio National may review your claim around the time of this transition. If they determine that you are able to do other work, and therefore, are no longer disabled, your claim will be closed.
If you filed your claim on your own and Ohio National has denied your claim, it is strongly recommended that you do not proceed through the appeal process without an attorney. Once you have exhausted your right to appeal, you may not be able to submit any additional information in support of your claim. An attorney will be sure to “stack the record” with all of the medical evidence and legal arguments necessary to succeed.
Can I File a Lawsuit Against Ohio National?
If the appeal is successful the claimant is put “on claim”. This means that the claim was approved and benefits were paid by Ohio National without having to resort to a lawsuit. Many of our cases are resolved during the administrative appeal process. However, that is not always the case.
If you’ve exhausted your appeals and the insurance company continues to deny your claim, we’re here to help you file a lawsuit against Ohio National. We will help you file the suit and prepare all necessary documentation for the court review process.
Filing a Disability Insurance Claim with Ohio National
In order to submit a disability claim to Ohio National, you’ll have to log in to your account. Once you are logged in, go to the Service Center, and click Claims. If you don’t have an account yet, you will have to create one. Most disability claim forms require that you, your employer, and your treating physician submit a statement regarding your disability. You may also be required to sign a form authorizing the release of your medical records. Review the forms carefully, to ensure you did not omit any relevant information. Failure to provide all of the information that is requested will only delay your claim.
You do not have to face this overwhelming situation alone. You can hire an attorney to assist you in filing your application for benefits. You do not have to work with an attorney to file a claim, but assistance in the process may make the difference between an approval and a denial. And most importantly, do not be intimidated by the insurance company. Your financial survival is on the line, you must not let yourself be intimidated by Ohio National and its claims representatives.
Ohio National Contact Information
You can contact Ohio National regarding a disability insurance claim by logging into ohionational.com and using the contact form or by using the contact information below:
Ortiz Law Firm Provides Aggressive Representation to Long Term Disability Claimants
You do not have to accept a claim denial from the insurance company. The Ortiz Law Firm will fight for the benefits that you deserve. Mr. Ortiz is an experienced disability attorney who has recovered millions in benefits for his numerous clients.
Whether your claim was denied from the initial application or you received a benefit cessation letter – which means their benefits are being “cut-off” or terminated, you should contact our office. The experience we have gained while helping past clients fight insurance companies such as Ohio National has given our team great insight into the best steps to take to improve your chances of recovering benefits. Contact our office online or call (866) 853-4512 to schedule a free consultation with an experienced disability attorney to discuss your claim and learn how we can help you fight for the benefits you deserve.
Request a Free Policy Evaluation
If you are considering purchasing a disability insurance policy or have recently purchased a policy, we will help you understand what you are entitled to and whether there are deficiencies in your coverage that could lead to a denied claim. It is easy for individual policyholders who are not trained to read insurance policies to misread or misunderstand the disability policy. As part of our evaluation, we will explain what everything means to you in your situation.
Some of the aspects of your policy we will review include:
- Total versus residual disability;
- Own occupation versus any gainful occupation;
- Mental and nervous disability benefit limitations; and
- Self-reported conditions benefit limitations.
Fill out the form below to submit your request, and please allow 5 business days to receive your free Policy Evaluation Report.