Long-Term Disability For Executives
As an executive, you are a highly skilled, high-ranking officer within your company. You provide oversight and management, collaborate with other senior officers to meet the objectives of the company, and likely have a proven track record of strategic planning and implementation. For all of these skills, you are well compensated and while well-deserved, this fact makes it more challenging to obtain the long-term disability coverage you deserve.
Insurance companies examine claims from a purely financial standpoint. The higher your salary and the longer it will take you to recover, the more it will cost the insurer. Due to this, they are more likely to deny your claim. Below are some tips from our Jacksonville long-term disability lawyers for executives to help ensure you obtain the coverage you are entitled to.
Obtain Medical Evidence
All long-term disability claims rely heavily on medical documentation. Gather all medical documentation from any doctor who is treating your disability. Make sure that your cognitive difficulties and pain levels are marked within these documents. These can help prove the full extent of your disability. For example, if your condition requires you to lie down for much of the day, that can prove that it is impossible for you to perform your executive duties.
Expect Surveillance
It is entirely legal for the insurance company to survey you. A private investigator will speak to your neighbors, stake out your home, and document your daily activities. The insurance companies hire these professionals to obtain documentation to disprove your claims and conditions. To avoid this, do not do anything too strenuous during your recovery period, such as rushing back into exercise routines.
Avoid Social Media
As an executive, you likely did not have much time for social media previously. However, when you have nothing to do but rest, it can be tempting to create social media profiles or become more active on these platforms. It is best to stay off of social media entirely, though. Even if you do not post anything, your friends and followers may post something that contradicts your claims of disability and tag you. The insurer will see it and use it as evidence to deny your claim.
Do Not Rush Back to Work
As an executive, you are used to being very busy and having your days full of meetings, conferences, phone calls, and more. The transition from such a busy life to one of recuperating and little activity can feel like a punishment. Still, it is critical that you do not rush back to work. Not only could rushing back to work cause further injury, but the insurer will use this against you and argue that you are not as injured as you claim because you are able to work.
Our Long-Term Disability Lawyer in Jacksonville Can Help with Your Executive Claim
As an executive, you may face many challenges when filing your disability claim. At Farrell Disability Law, our Jacksonville long-term disability lawyer can help you overcome them so you obtain the full and fair coverage you deserve. Call us now at 904-388-8870 or contact us online to schedule a consultation and to learn more about how we can help with your case.
