What Is A Long-Term Disability insurance Adjuster?
The long-term disability insurance adjuster is the representative of the insurance company that communicates most frequently and directly with you or your attorney regarding your long-term disability claim. The primary goal of these adjusters is to assist the insurance company in maximizing profits, as is customary in the insurance industry.
Consider the term “adjuster” – it signifies their role in adjusting your claim to save money, specifically in the context of long-term disability. Unfortunately, many adjusters often resort to tactics aimed at delaying and denying legitimate long-term disability claims. They undergo training to minimize the benefits you rightfully deserve, and due to their overwhelming caseloads, your case might not receive the attention it deserves. Their objective is to save the insurance company money, even if it means reducing the benefits and medical treatment you should receive.
In addition to adjusters, insurance companies frequently assign nurse case managers to long-term disability cases. These managers may attend your doctor’s appointments and attempt to influence your doctor to issue a return-to-work note earlier than necessary. These strategies can be highly effective, especially with doctors unfamiliar with such tactics, leading to premature returns to work.
We Don’t Let Our Clients Get Taken Advantage Of By Long-Term Disability Adjusters Or Nurse Case Managers
There are several common tricks that long-term disability adjusters employ. Here’s a list of the top five dirty tricks:
1. Recording a statement while you are in pain or under the influence of strong pain medications.
After a serious work accident resulting in long-term disability, you are likely in pain, uncertain, stressed out, and unsure about navigating the system. Adjusters may exploit this vulnerable moment by obtaining a recorded statement, knowing you are more likely to say something that could be used to delay or deny your claim.
2. Misrepresenting the benefits you can receive under the law.
Long-term disability adjusters may mislead you about the benefits you are entitled to under the law, especially if you don’t have legal representation. It’s crucial to have the right attorney to ensure you receive all the benefits you deserve.
Protecting you and providing for your family IS NOT the insurance company’s job. Educating you on the long-term disability system (which involves extensive regulations) IS NOT their problem. You may not know what to ask for, and they won’t tell you. We know what you’re entitled to and how to get it for you.
3. Intentionally not returning your calls.
Ignoring or playing phone tag is a tactic used to frustrate you and delay or deny your long-term disability benefits. Donahoe Kearney has a professional, full-time staff to ensure your adjuster is responsive to your needs.
4. Wanting to settle too quickly.
Some adjusters may attempt to settle your long-term disability case prematurely, especially if they sense a serious injury but lack sufficient documentation. Be cautious if offered money without a full understanding of your injury and entitlements. An experienced attorney can evaluate your claim and project a fair settlement.
5. Advising you not to get an attorney.
This tactic can be highly damaging. Being questioned without legal representation makes it easier for adjusters to take advantage of you, especially if you are unfamiliar with long-term disability laws. Insurance industry studies routinely show higher payouts to cases with legal representation.
Contact Our Aggressive Long-Term Disability Lawyers in DC To Fight The Insurance Adjusters and Nurse Case Managers
If you’ve been seriously hurt and are facing long-term disability, gather all the information you can before handling your claim independently. Contact us at 202-393-3320 to begin the process of securing representation for your long-term disability claim. You’ll reach a live person who can start helping you right away. Additionally, you can schedule a same day meeting with our incredible Client Experience Specialist, Yesenia. Schedule your free consultation.
Understanding the common traps, tricks, and strategies used against you is crucial. When dealing with your long-term disability adjuster, remember they have a team of insurance company lawyers, doctors, nurses, case managers, and specialists working against you. They are well-versed in handling cases like yours to the advantage of the insurance company. It’s a challenging situation to confront. But we’ve got your back.
The best way to protect yourself is to be well-versed in the long-term disability system and have legal representation fighting on your side. Begin by ordering our free book on long-term disability.