Who can help me with disability insurance claims?
April 9, 2012 12:48 PM Subscribe
I’m looking for advice on dealing with with employer provided disability insurance. I’m out of work due to illness, and I am having trouble navigating the disability insurance provided by my employer. Do I hire a lawyer? Are there other people that I can hire to help on my behalf?
I’m in Wisconsin, if that helps. I tried googling this question, and I am finding both advocates and lawyers, and advocates that are lawyers but not which I should choose or how to choose one. I know WOM recommendations are the best, but I don’t know anyone that’s gone through this so I have no one to turn to for recommendations.
I went on medical leave this past fall. My work provided disability insurance, but navigating it has been a challenge, because my doctors are still investigating the cause so have no information on when I’ll “be better”. I was told that it takes 7-10 days to process a claim, but with follow up medical records, it took three months to receive roughly 6 weeks disability pay, which did not actually cover all the time I was out of work at that time.
Much back and forth and misinformation from the insurance company as to what I needed to provide them, they reopened my claim 2 months after my last payout. Their review of it is still pending.
Part of the problem is that the doctors are still investigating the cause of my illness, and because they don’t know what is wrong, they can’t say when I’ll be well enough to go back to work. After talking to the person at the disability insurance company working on my case, she said that without a return to work date, the best they can do is pay retroactively for the time out of work, after reviewing doctor records. BUT if I send the records too soon after they got the previous records, it extends the time for review, i.e. extending the time until I see any payment.
Add to the fact that last time my doctors office sent over records it took 8 days from the time they sent digital records from the local office to the copying service to mail them out, then another 15 days for the disability insurance company to receive them via postal mail.
This is all the quick version, there is much I left out, but what I desperately need to know is how to navigate the system or who could help me. Is there some profession out there to help me speed things up and smooth out the bumps while knowing when they’re getting the runaround? On top of everything else, I’m just too tired most days to harass whomever needs harassing to get this done.
If I need a lawyer, how do I find one? Should I get a recommendation from a generalist, or find a lawyer that specialises in disability? Or is there another profession that helps in cases like these?
(And if you have a specific reference for someone you would recommend, please include!)