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When we think about insurance, it’s often within the context of protection against life’s unexpected events. Disability insurance is a key piece of this puzzle. This type of insurance provides coverage for instances where you may be unable to work due to illness or injury. Today, we will discuss disability insurance claims with the ManhattanLife Assurance Company of America (“ManhattanLife”).
Founded in 1850, Manhattan Life is one of America’s oldest insurance providers, offering various insurance products, including disability income insurance. Navigating the ins and outs of making a claim can sometimes be daunting. However, knowing what to expect can go a long way in simplifying the process.
In 2018, ManhattanLife signed a definitive agreement to acquire the workplace voluntary benefits (group policy) lines of business from Humana Inc. These lines of business are primarily held under Humana’s subsidiary, Kanawha Insurance Company Inc. (KIC). If you previously obtained your policy from KIC, your claim may be administered by ManhattanLife.
Understanding Your ManhattanLife Disability Insurance Policy
Before filing a claim, it’s essential to understand the terms of your policy. What constitutes a ‘disability’ under your policy? What is your waiting period (the elimination period) before the benefits kick in? What is the duration of benefits? Understanding these terms can help set realistic expectations for your claim.
Filing Your Long-Term Disability Claim
The claims process with ManhattanLife typically starts with notifying them about your disability. There are disability claim forms available on ManhattanLife’s website for individual disability claims and voluntary benefits (group policy) claims.
You will need to provide specific medical documentation supporting your claim. This might include medical records, diagnostic reports, or statements from your treating physician about your disability and inability to work.
ManhattanLife aims to review claims promptly. However, the duration can vary based on the complexity of the claim and the volume of claims they are currently processing. It’s always wise to start this process immediately after your disability occurs.
RELATED POST: How to Apply for Long-Term Disability
Dealing with Disability Claim Denials
Although ManhattanLife is a reputable insurance company, legitimate claims are sometimes denied. Denials can be due to a range of issues – from errors in the application to disputes over whether you are disabled or not.
If your claim is denied, do not give up. You have the right to appeal this decision, and it may be beneficial to involve an experienced disability insurance attorney to assist you with the appeal process. An attorney can help review the denial, gather additional evidence, and advocate for you during the appeal review process.
FREE RESOURCE: Long-Term Disability Appeal Guide
A seasoned disability insurance attorney can guide you through the appeal process, help prevent common errors, and ensure your appeal is presented most effectively. Their expertise can often expedite the process and increase the chances of a successful claim. If ManhattanLife upholds its denial on appeal, an attorney can also file a lawsuit.
We Help Claimants Nationwide Win Disability Insurance Claims with ManhattanLife
Dealing with a disability can be a challenging and stressful time. If your claim is denied, navigating the appeal process may seem overwhelming. However, expert legal guidance from someone who understands the process gives you a better chance that your claim will be approved.
At Ortiz Law Firm, we understand the complexities of disability insurance claims and are committed to providing the support you need. If you’re considering filing a claim or if your claim has been denied, we can help. Our experienced team is ready to work toward the best possible outcome.
Remember, your focus should be on recovery. Let us fight for the benefits you rightfully deserve. If you need help with your ManhattanLife disability claim, contact us online or call (888) 321-8131.