Standard Insurance FAQs
Have questions about Standard Insurance disability claims? Here are some of the most frequently asked questions we get about Standard disability claims.
Will Standard Insurance Long-Term Disability Cover Someone with a Back Injury?
Long-term disability insurance is a form of income protection that covers serious injuries, illnesses, and medical conditions. As a general matter, the long-term disability policies offered by Standard Insurance provide coverage to qualifying workers who are kept off the job for a minimum of three months. Standard Insurance long-term disability insurance does cover back injuries. In fact, back pain is one of the most common reasons why people file for disability benefits.
At the same time, it is important to emphasize that back injury disability claims are notoriously complex. Large insurers like Standard Insurance are always looking for reasons to deny benefits and protect their own profits. Comprehensive medical evidence and a well-organized application will improve your chances of obtaining benefits for back pain or any related condition. If you have any specific questions about filing a long-term disability claim with Standard Insurance for a back injury, contact an experienced Florida attorney for help.
How Difficult is It to Work with Standard Insurance for Long-Term Disability?
Unfortunately, working with any large insurance company can be challenging. In that regard, Standard Insurance is not unique. Working with them is similar to working with other major carriers. Insurance companies are primarily driven by their own bottom line. They tend to review long-term disability claims with a skeptical eye and will deny benefits if they find any reason to do so. You cannot rely on an insurance company to look out for your best interests.
That being said, there are also plenty of examples of people who have had their disability benefits paid out by Standard Insurance without any real trouble. The best thing you can do is put together a strong, comprehensive application package. Of course, every situation is different. If you are having a hard time recovering benefits through Standard Insurance, please know that you are not alone. Professional help is available. Reach out to a long-term disability lawyer for guidance and support.
How Do I Apply for Standard Insurance Long-Term Disability Benefits?
To apply for long-term disability benefits through Standard Insurance, you must comply with all of the company’s filing requirements. To start, you can obtain the proper claims form through your employer or directly through the insurance company. Standard Insurance advises claimants to fill applicable sections of the form to avoid any delay in processing. Even a relatively modest mistake could result in the process grinding to a frustrating halt.
Generally speaking, applicants must submit an employee statement, employer statement, and physician statement to Standard Insurance. In other words, you will need proof of insurability and proof of disability. State and federal regulations require insurance companies like Standard Insurance to pay out long-term disability benefits without any unreasonable delay. If you have any specific questions about filing for long-term disability benefits or if your claim was already denied by the insurance company, contact an experienced Florida attorney for immediate assistance.