How to File a Disability Insurance Claim

Globally, insurance companies provide different plans and premiums that vary depending on the level of coverage. Disability insurance provides coverage against illness or injury, either physical or mental that would inhibit you from performing regular work. Disability may also include elective surgery, pregnancy, childbirth, or related medical conditions. Filing a disability claim can feel daunting, but is fairly easy to complete.

Difficulty: Moderate

Instructions

1. Read the terms and conditions in your policy to determine if you qualify for filing a claim and the related benefits. Contact your insurance agent if you are uncertain whether you qualify for benefits or not.

2. Request a claim form, filling out accurately. If you are unsure or do not know specific information that is required for submission, ask the help of your insurance agent, family member or your doctor.

3. File your claim immediately after your disability occurs. The insurance company may deny your benefits if they find unreasonable delay in receiving your claim form.

4. Get your disability established and explained in writing by your doctor. Provide the original copy to the insurance company and keep a photocopy with you for future reference.

5. Speak to your assigned adjuster over the phone and follow up with a letter to the insurance company. Send it by email or registered mail and request for acknowledgement to avoid delays.

6. Record your telephone conversations and doctors' appointments, on video if possible. This can help smooth out any issues arising during the processing of your claim.

7. Monitor your claim process through your agent or the company Web site.

8. Expect to wait for about 15 days for receiving insurance benefits. Claims are typically processed in less than two weeks.

Tips & Warnings

• Be honest and forthcoming when filling the claim form. Indicate "undetermined" if you are not sure of something to avoid later discrepancies.
• Understand what benefits you are entitled to, and do not accept less than that, even if pressured by the insurance company. If the debate over benefits escalates, seek the help of an attorney, if necessary.