Insurance is important to help protect you from many different types of catastrophes, including a disabling illness or injury. How would you support yourself if you were unable to work? Would you be able to afford your living expenses and pay all your bills on time? Would you still be able to pay for your medical care? Disability insurance policy is one type of protection that can help you during this difficult time.
However, disability insurance companies have been known to wrongfully deny claims for long-term disability benefits. It is in the insurance company’s best interest to deny claims. If Ohio National has wrongly denied or terminated your claim, we can help guide you through the administrative appeal process. For those who have not yet filed a claim, read on for tips to help you through the process.
Filing a Disability Insurance Claim with Ohio National
Ohio National is headquartered in Cincinnati, Ohio. Founded in 1909, Ohio National Financial Services is a mutual insurance company that offers several lines of disability insurance products. They have noncancellable individual policies with benefit periods ranging from two years up to age 70. They also offer disability insurance that is designed for workers with benefit periods ranging from one year to five years.
No matter which disability insurance policy you buy from Ohio National, you’ll want to read the policy carefully. Not all insurance companies define disability in the same way. Some conditions that leave you unable to work may be considered pre-existing conditions by your insurance company. It’s very important to understand what benefits you are entitled to and what exclusions may disqualify you from receiving benefits before you file a claim.
To file a disability claim with Ohio National, you’ll need to log in to your account. Once you are logged in, go to the Service Center, and click on Claims. If you don’t have an account, you will need to create one. Most disability claim forms require that you, your employer, and your treating physician to submit a statement regarding your disability. You may also be asked to sign a form authorizing the release of your medical records. Review the forms carefully to make sure you have not omitted any pertinent information. Failure to provide all of the information that is requested will only delay your claim.
You do not have to face this overwhelming situation alone. You can hire an attorney to help you file your claim. You do not have to work with an attorney to file a claim, but assistance with the process can make the difference between an approval and a denial. Most importantly, do not be intimidated by the insurance company. Your financial survival is at stake, do not be intimidated by Ohio National and their claims representatives.
Ohio National Contact Information
You can contact Ohio National regarding a disability insurance claim by logging on to ohionational.com and using the contact form or by using the contact information below:
Ohio National Financial Services
P.O. Box 237
Cincinnati, OH 45201-0237
Email: [email protected]
Phone: 844.290.1790
Fax: 513.794.4521
Ohio National Disability Denials
Here are some reasons why your claim may have been denied by Ohio National:
The insurance company may have used an “independent” medical examiner to review your claim. However, these so-called independent doctors are often not truly unbiased and may conclude that you can return to work even though you’re still disabled.
Ohio National may have conducted a vocational analysis of your claim in which its vocational experts determined that you could return to work in some capacity.
Insufficient medical evidence may be cited as a reason for denial. Ohio National may claim that your medical records don’t provide sufficient evidence that you are unable to perform your job.
Many disability insurance policies have two definitions of disability – one for the initial “own occupation” period and another for the later “any occupation” period, usually after 24 months. Ohio National may review your claim during this transition period and determine that you can perform other work, thereby closing your claim.
If you’re wondering whether you should handle your appeal on your own or hire an attorney, it’s important to know that many people find it beneficial to have an experienced disability attorney on their side when dealing with disability insurance. One such attorney is Nick Ortiz, who has more than a decade of experience helping disabled individuals throughout the United States with their insurance claims. Our legal team has the expertise to assist you with various disability law issues and your claim for benefits.
Can I File a Lawsuit Against Ohio National?
Many of our cases are resolved through the administrative appeals process, but this is not always the case. If your appeal rights are exhausted and the insurer continues to uphold the denial of your claim, we can help you file a lawsuit and guide you through the litigation process against Ohio National.
Request a Free Long-Term Disability Case Evaluation
The Ortiz Law Firm is here to help you secure the benefits you rightfully deserve. Led by disability attorney, Nick Ortiz, our firm has successfully recovered millions in benefits for our clients. Whether your claim was denied or you’ve received a letter stating that your benefits are being cut off, don’t hesitate to contact us.
We understand the challenges of fighting insurance companies like Ohio National, and our past experience has given us valuable insight into the most effective strategies for winning a long-term disability claim. Call us at (888) 321-8131 to schedule a free case evaluation with an experienced disability attorney.
Get a Free Policy Evaluation
If you’re thinking about purchasing a disability insurance policy or have recently done so, we’re here to provide clarity and make sure you know exactly what you’re entitled to. Understanding insurance policies can be complex, especially for individuals without specialized training. We’ll carefully evaluate your coverage and identify any potential deficiencies that could result in a denied claim.
Our evaluation will include a thorough explanation of everything in your policy and how it applies to your unique situation. Here are some aspects of your policy that we’ll review:
- Total disability versus residual disability
- Own occupation versus any gainful occupation
- Limitations on mental and nervous disability benefits
- Limitations on benefits for self-reported conditions