Communicating With The Insurance Company

Hi, I'm Nick Ortiz. I'm a board certified disability insurance attorney. Today I'm here to talk to you about the best way to communicate with the insurance company in a long-term disability claim. This video is brought about in part because people ask me questions like, "Why don't the insurance company's letters match with what they told me on the phone?" Or, "What's the best way for me to communicate with my long-term disability insurance company?" These are very good questions.

The short answer is, the best way to communicate with the insurance company is in writing, on paper. You should limit the amount of communications you have with the insurance company on the phone, for the exact reasons that brought about the topic of this video. That is, oftentimes the insurance company won't summarize what you said correctly in their letters to you. If the insurance company is calling you asking you for additional information or questions, what I recommend to everyone is to ask them to put those questions in writing. Then respond to those questions in writing, that you send to them either in a letter, or by fax, or potentially by email.

You should be careful about a couple different things. Number one is, you should make sure that your letters are consistent with your limitations. So for example, if you have carpal tunnel syndrome and you have difficulty holding on to things, and you write a really long letter in longhand, you should indicate to them how long it took you to write the letter. Or if someone helped you write the letter, tell them that in your letter.

Another key thing about having communications be in writing is because if the insurance company tells you something, and it's something that's beneficial to you, what you should do is confirm that thing in writing. For example, if the insurance company adjuster told you, "We're not going to be looking at your file for another year. We're just going to pay you benefits for the next 12 months without further review," then you should write a letter to the insurance company confirming that communication and saying, "This confirms that we talked and you said you wouldn't need to review my file for another year." 

I can tell you that all to often people do not confirm things in writing enough when they communicate with the insurance company. If you'd like more tips, or advice on best practices in a long-term disability appeal, we encourage you to give our office a call at 850-308-7833. I'm also making available a free copy of a book that I wrote called The Top 10 Mistakes That Will Destroy Your Long-Tern Disability Claim. You can download a free digital copy at www.freeltdbook.com today. Thanks for watching. Look forward to hearing from you.