Disability insurance through Broadspire: An Overview
Broadspire is the name of the third-party global disability claims administrator that is linked to Crawford & Company. Based in Atlanta, Crawford & Company is one of the largest claims management firms in the United States. Founded in 1941, Crawford & Company takes in more than $1 billion in annual revenue and the business has more than 9,000 employees spread out across 700 office locations around the world.
While Broadspire is technically not an insurance company, you may be required to work with their representatives to get your disability claim paid. Broadspire works directly with Crawford & Company, small and mid-sized insurance companies, and some employers. In doing so, Broadspire facilitates the management of claims. Sadly, it is not always easy for people to get disability benefits from Broadspire or other claims management firms.
You Can Appeal a Broadspire Disability Denial
Similar to other claims management companies, Broadspire is focused on representing the interests of its clients—insurers and employers. If your short-term disability claim or long-term disability claim was denied by Broadspire, you are certainly not alone. Some of the most common reasons why disability claims are denied by Broadspire include:
- Policyholder mistakes on the initial claims form;
- Missing documents, records, or information;
- Not enough medical evidence to support the claim;
- Policy exclusions; and
- Bad faith settlement practices.
Under state and federal regulations, you have the right to appeal a denial. Broadspire does not get to make the final decision on your benefits. To file an appeal, you must act quickly. With ERISA disability claims, you have up to 180 days to appeal a denial. With non-ERISA disability claims, you may only have 30, 60, or 90 days to appeal. Check your policy details to confirm the deadlines.
Broadspire Disability Claims: Frequently Asked Questions (FAQs)
How Do I Apply for Disability Benefits Through Broadspire?
Do you have Broadspire-managed disability benefits through your employer? If so, you should be able to get the proper claims forms directly from your company or organization. Additionally, you should confirm which insurance company underwrites your policy. As mentioned previously, Broadspire is part of Crawford & Company—the Atlanta, Georgia-based claims management firm.
How Long Will My Long-Term Disability Benefits Last?
The duration of disability benefits varies based on policy and your medical conditions. Long-term disability benefits managed by Broadspire (and other companies) will last until the beneficiary is no longer disabled or until the maximum amount of disability compensation has been paid. In some cases, long-term disability policies allow for between 2 and 5 years of total benefits. In other cases, long-term disability policies can pay out until the beneficiary reaches retirement age. Review your policy details to determine how long you can receive disability compensation.
Can I Afford to Hire a Lawyer to Help With My Disability Claim?
Yes. No matter your current financial situation, legal representation is available. At The Law Office of Nancy L. Cavey, we are proud to stand behind our no-fee guarantee. Our Florida disability claims lawyer will handle your claim on contingency. There are no upfront or out-of-pocket costs. We only get paid when you get disability benefits. Our firm also offers free, no-obligation consultations to people who have disability claims involving Broadspire.
Call Our Florida Disability Claims Attorney for Immediate Legal Help
We can help. At The Law Office of Nancy L. Cavey, our top-rated St. Petersburg disability lawyer is standing by, ready to fight for your rights. If you have any questions about recovering disability benefits from Broadspire, we are here for you. For a free, fully private review of your case, please give us a call today or send us a message online. With a legal office in St. Petersburg, we provide nationwide representation in disability claims and appeals.