What Does a “Reservation of Rights” Mean for My Long Term Disability Claim?

Long-term disability claims are complicated and often require the help of a knowledgeable attorney to navigate. An important factor that can impact your claim is a “Reservation of Rights” (RoR) letter from your insurance company. This legal concept often leaves claimants confused and uncertain about their future benefits. At Bartolic Law, we aim to demystify these concepts and provide you with the knowledge you need to navigate your disability claim effectively.

What is a Reservation of Rights?

A “Reservation of Rights” is a notification from your insurance company indicating that while they are currently approving your claim, they are reserving the right to deny it in the future. This means they are continuing their investigation and may require more information before making a final determination. Although receiving this notice can be unsettling, it’s important to note that it is not an outright denial of your claim.

Why Might an Insurer Issue a Reservation of Rights?

Insurers often issue a Reservation of Rights because they need more time to evaluate the claim comprehensively. This can happen if they feel additional medical documentation or evidence is necessary to support your eligibility for benefits. It may also be due to policy provisions that might exclude or limit your claim, such as pre-existing conditions or specific policy exclusions.

Implications of a Reservation of Rights

Receiving a Reservation of Rights can have significant implications. While you may continue receiving benefits, there is a potential risk that the insurer might decide to retroactively deny your claim once their investigation is complete. In some cases, they might even seek repayment for benefits already paid, which underscores the importance of handling this situation with care.

Steps to Take if You Receive a Reservation of Rights Notice

1. Review Your Policy: Carefully read your insurance policy to understand the terms and conditions that apply to your claim. Pay particular attention to definitions of disability and any exclusions or limitations.
2. Gather Evidence: Strengthen your claim by gathering comprehensive medical documentation. This could include additional medical tests, second opinions, or further evidence supporting your inability to work.
3. Maintain Communication: Stay in contact with your insurance provider. Respond promptly to any requests for information or documentation to avoid unnecessary delays.
4. Seek Legal Advice: Consulting with an experienced disability attorney is crucial. At Bartolic Law, we understand long-term disability claims and can help you understand your legal rights and options. An attorney can assist in building a robust case, negotiating with insurers, and, if necessary, representing you in legal proceedings.
5. Document Everything: Keep detailed records of all communication with your insurer, including dates, times, and the content of conversations. This documentation can be invaluable if you need to dispute any decisions later.

Get In Touch

Navigating a Reservation of Rights can be challenging, but with the right approach and legal support, you can effectively manage this complex situation. Your rights and benefits are important, and taking proactive steps can safeguard your financial future. If you’re facing a Reservation of Rights notice, don’t hesitate to reach out to Bartolic Law for a consultation and to discuss how we can assist in securing the benefits you deserve.