Tips for Communicating with Insurance Adjusters

Communicating with an insurance company about your long-term disability (LTD) claim can feel intimidating. The process is often filled with complex paperwork and confusing requests, adding stress when you should be focused on your health. However, how you communicate can significantly impact the outcome of your claim.

Here are our key tips for effectively managing interactions with your insurer:

• Be Clear and Concise: Stick to the facts and answer questions directly.
• Keep Thorough Records: Document every phone call, email, and letter.
• Understand Your Policy: Know what your policy requires before you communicate.
• Seek Professional Assistance: An experienced attorney can handle communications for you, ensuring nothing is missed.

Be Clear, Concise, and Factual

When speaking with a claims adjuster, it is easy to become emotional or over-share details out of frustration. While your feelings are valid, it’s important to remain professional and stick to the facts of your disability. Answer questions directly and honestly, but avoid speculating or offering information that wasn’t requested. Every word you say can be noted in your file and potentially used to question the severity of your condition.

Keep Thorough Records of All Interactions

Documentation is your best defense. Treat every interaction with your insurer as if it will one day be reviewed by a judge. Meticulous record-keeping creates a clear timeline and holds the insurance company accountable.

Your communication log should include:

• Date and Time: Note the exact date and time of every phone call or correspondence.
• Representative’s Name: Always ask for the name and title of the person you are speaking with.
• Summary of Discussion: Briefly outline what was discussed, including any questions you asked and the answers you received.
• Follow-Up Actions: Note any tasks the representative promised to complete or information they requested from you.

Keep copies of all written correspondence, including letters, emails, and any forms you submit. We recommend sending important documents via certified mail to have proof of delivery.

How Can I Ensure My Documentation Is Complete?

Completeness and accuracy are crucial. When submitting forms or medical records, double-check that you have filled out every required section. Incomplete paperwork is a common reason for claim delays and denials.

Before sending documents, make a complete copy for your own records. Create a checklist of all requested items and tick them off as you gather them. This simple organizational step can prevent critical information from being overlooked.

What Should I Do If My Claim Is Denied?

If you receive a denial letter, the clock starts ticking on your appeal. The first step is to avoid panicking. Instead, take decisive action. Request a complete copy of your claim file from the insurer. This file contains all the information they used to make their decision, including medical reviews and internal notes.

Review the denial letter carefully to understand the exact reason for the denial. Was it due to a lack of medical evidence, a missed deadline, or their interpretation of a policy clause? This information is the foundation for your appeal. Because the appeal is often your last chance to add evidence to the record, this is the most critical time to seek legal help.

Your Success Is Our Priority

Communicating with an insurance company is a complex task with high stakes. You do not have to handle it alone. At Bartolic Law, we manage every aspect of the LTD claims process, from initial filing to fighting denials. We act as a barrier between you and the insurer, ensuring your rights are protected and your message is clear.

If you are struggling with a disability claim, let us provide the guidance you need. Contact us today for a consultation.