You were in a serious accident or fell seriously ill and you can't work. You file first for short-term disability, and then long-term disability down the road. You will be assigned to an insurance adjuster who will contact you to collect more information about the accident or illness. The adjuster will probably ask for pictures of the accident, medical records, incident reports, and anything else that they can use to evaluate the situation.
However, you need to know that a long-term disability insurance adjuster from MassMutual or GEICO is someone that the insurance company hired to analyze the damages from the accident. Is he going to be looking out for your best interest? Would he put you in a fair and unbiased light so you can
NO. Essentially, the insurance adjusters, especially disability insurance adjusters, have the task of minimizing the amount of money their companies have to pay out in benefits, even though you have faithfully paid your premiums for years. These insurance adjusters will use anything they can get to try to downplay what actually happened so that the insurance company doesn’t have to pay you what you’re entitled to.
So in this tense situation dealing with auto insurance adjusters, what do you do?
Well first off, don’t sign anything on the spot. Most adjusters try to settle cases quickly – before they know the extent of their injuries. If you're on long-term disability, make sure that you are faithfully treating and order our free book to get started setting yourself up for success.
Next, remain calm. After experiencing something as traumatic as a serious injury or illness, you’re probably extremely stressed and shaken. But you need to know that insurance adjusters are waiting for you to say something that they can use against you.
Make sure you know what to do and what not to do. For more information, read our free report "Claim Denied- The Ugly Truth About Disability Insurance." Download it online to learn the ins and outs on how to handle your ERISA long-term disability case and if your injuries are serious or your claim has been denied, you need a lawyer, how to choose the right lawyer to represent you.
Still have questions? Call us today at (202) 393-3320.