Insurance is important to help protect you from many different types of disasters, including a disabling illness or injury. How would you support yourself if you could not 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? A disability insurance policy is one type of protection that can help you during this difficult time.
However, disability insurance companies are 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 inappropriately denied or terminated your claim, we can guide you through the administrative appeal process. For those who have not yet filed an application for benefits, keep reading for tips to help you through the process.
Filing a Disability Insurance Claim with Ohio National
Ohio National is based 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 non-cancellable individual policies with benefit periods ranging from two years up to age 70. They also offer disability insurance that is designed for laborers with benefits periods ranging from one year to five years.
Regardless of the disability insurance policy that you have 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 extremely important to understand what benefits you are entitled to, and the exclusions they may disqualify you from receiving benefits before you submit a claim.
In order to submit a disability claim to Ohio National, you’ll have to log in to your account. Once you are logged in, go to the Service Center, and click Claims. If you don’t have an account yet, you will have to create one. Most disability claim forms require that you, your employer, and your treating physician submit a statement regarding your disability. You may also be required to sign a form authorizing the release of your medical records. Review the forms carefully, to ensure you did not omit any relevant 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 assist you in filing your application for benefits. You do not have to work with an attorney to file a claim, but assistance in the process may make the difference between an approval and a denial. And most importantly, do not be intimidated by the insurance company. Your financial survival is on the line, you must not let yourself be intimidated by Ohio National and its claims representatives.
Ohio National Contact Information
You can contact Ohio National regarding a disability insurance claim by logging into 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 protected]
Phone: 844.290.1790
Fax: 513.794.4521
Ohio National Disability Denials
Here are some reasons why your claim might have been denied by Ohio National:
The insurance company may have reviewed your claim through an “independent” medical examination. However, these so-called independent doctors are often not truly unbiased and may conclude that you can go back to work, even if you’re still disabled.
Ohio National might have conducted a vocational analysis of your claim, where their job 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 enough proof that you’re 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 might review your claim during this transition and decide that you can perform other work, thus closing your claim.
If you’re wondering whether you should handle your appeal on your own or hire an attorney, it’s essential to know that when dealing with disability insurance policies, many individuals find it beneficial to have an experienced disability attorney by their side. One such attorney is Nick A. Ortiz, who has more than ten years of experience helping disabled individuals across 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 during the administrative appeal process, but that 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 rejected right from the start or you received a letter stating that your benefits are being cut-off, don’t hesitate to reach out to us. We understand the challenges of battling insurance companies like Ohio National, and our past experience has given us valuable insight into the most effective strategies to win a long term disability claim. Call us at (888) 321-8131 to schedule a free case evaluation with an experienced disability attorney.
Get a Complimentary Policy Evaluation
If you’re thinking of purchasing a disability insurance policy or have recently done so, we’re here to provide clarity and ensure you know exactly what you’re entitled to. Understanding insurance policies can be complex, especially for individuals without specific training. We’ll carefully assess your coverage and pinpoint 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 we’ll review:
- Total disability versus residual disability
- Own occupation versus any gainful occupation
- Limitations on mental and nervous disability benefits
- Limitations on self-reported conditions benefits
Don’t hesitate to reach out for assistance!