At Disability Insurance Law Group, our national claims attorneys understand that your income is one of your most valuable assets. It allows you to maintain your standard of living, pay bills, and save for the future. If you have suffered an injury or illness that keeps you from working, your disability insurance is designed to provide the replacement income you need to recover without worry.
Unfortunately, disability insurance policies are often written with ambiguous and confusing contract language, making them difficult to pursue for the benefits their policyholders are entitled to receive. This is true for Illinois Mutual disability insurance policies, too.
Founded in 1910, Illinois Mutual Life Insurance Company is headquartered in Peoria, Illinois, and provides life insurance, disability insurance, workplace insurance, and annuity products. The company conducts business in 47 states through more than 18,200 independent agents, with nearly 220 employees working in their home office.
With a recently posted $1.268 billion in admitted assets, it is difficult for disability policyholders to understand why Illinois Mutual would dispute or deny their claim. The reality is that insurance companies — Illinois Mutual included — begin their claims process by disputing or denying claims. This requires the policyholder to go above and beyond to prove they need the coverage they have spent their hard-earned money on.
That is why we are here. Our disability insurance attorneys represent Illinois Mutual policyholders nationwide — no matter where they live or work in the U.S. — with only their best interests and true success in mind so our clients can pursue the benefits they are entitled to from their policies.
Pursuing a successful disability claim typically involves providing thorough and convincing evidence to support your case. The specific requirements and processes may vary depending on your state, as each has its disability benefit programs and criteria.
Partnering with a national Illinois Mutual disability insurance claim lawyer at the start of the process can mean the difference between the insurance denying your claim and receiving your disability benefits in full.
However, here are some common types of evidence that are often important in disability claims:
Detailed medical records from healthcare professionals documenting your condition, diagnosis, and treatment history. Reports of physical or mental health examinations. Laboratory test results, imaging studies, and other diagnostic tests.
Doctor’s Statements
Statements from your treating physicians that outline the severity of your condition, its impact on your daily life, and any limitations it imposes on your ability to work.
Documentation of prescribed medications, including dosage and frequency, to demonstrate the medical treatment you are receiving.
Records of hospitalizations, surgeries, therapies, and other medical interventions related to your disability.
Information about your work history, including job descriptions and details about your past employment’s physical and mental demands.
In some cases, a functional capacity evaluation may be required. This assesses your physical and mental capabilities and limitations in a work-related context.
Statements from people who are familiar with your daily struggles can provide insights into how your disability affects your ability to work and perform daily activities.
Expert opinions from vocational specialists or rehabilitation professionals who can testify about your ability to perform work-related activities.
If your disability is related to mental health, include records from psychiatrists, psychologists, or therapists, along with any relevant evaluations or assessments.
Ensure that all documentation is consistent and aligns with your disability claim. Any discrepancies may be scrutinized during the evaluation process.
If you have private disability insurance, include relevant policy documents and correspondence with the insurance company.
Whether you are considering applying for benefits, are waiting for a claim’s decision, or have been denied, we can assist you with your Illinois Mutual disability claim anywhere in the country, starting with a free consultation.
With over 50 combined years of experience, our nationwide Illinois Mutual disability insurance attorneys know that understanding the definition that dictates your coverage is critical to winning and maintaining your disability benefits.
We are fully dedicated to providing transparent legal services that allow us to pursue real results for real people who need our help – no matter where they live or work in the U.S.
If you are receiving resistance from Illinois Mutual for your U.S. disability claim, or if your claim has already been denied, contact our dedicated disability insurance attorneys nationwide at 954-989-9000 or online to schedule a free, confidential case assessment without delay.
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