File a Critical Illness Claim

Unlike a death claim where the payment of benefits is simply based on the death of the insured, getting an insurer to pay a Critical Illness claim is uch more difficult. If a claim benefit is offered by the insurer it will be calculated based on multiple items, called “factors”, that the insurer determines. What seems like a simple matter can turn into a huge disappointment when the insurance company makes a low-ball claim offer.

Filing a Critical Illness claim that gets approved isn’t as easy as it sounds. And a getting a fair offer for a Chronic Illness is even more challenging.

If you need help filing your Critical Illness claim or getting the insurance company to give you the highest cask offer, we can help. No other firm knows the ins and outs of how critical illness claim offers are determined or how to get insurers to pay the maximum benefit. Get in touch with us as early in the claim process as possible.

While death is irrefutable, a critical illness can be challenged. In other words, your insurer may not agree that your illness qualifies as a critical illness according to their policy. That’s why you need the representation of the Center for Life Insurance Disputes to get your claim approved. Don’t make your first-ever attempt at getting claim benefits paid without your own representation by an experienced professional.

We’re here to help.

Call us for a free consultation about your specific claim. We’ll prepare your claim, file your claim and make sure it gets paid.

888-428-4868

Don’t File a Critical Illness Claim Without Your Own Representative

A Critical illness is a life-threatening condition, which is generally defined within the policy. Most critical illness policies provide for the payment of a lump sum benefit if the policyholder is diagnosed as suffering from one of a number of specified critical illnesses. These include:

Critical illnesses include: Stroke, Cancer, Heart Attack, Coronary Artery Disease, Angioplasty Or Other Invasive Treatments For Coronary Artery Disease, Heart Valve Replacement, Fulminant Viral Hepatitis, Chronic Liver Disease, Primary Pulmonary Arterial Hypertension, Chronic Lung Disease, Kidney Failure, Surgery To Aorta, Aplastic Anemia, Major Organ Transplant, Blindness, Loss Of Hearing / Deafness, Loss Of Speech, Coma, Major Burns, Multiple Sclerosis, Paralysis / Paraplegia, Muscular Dystrophy, Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders, Motor Neuron Disease, Parkinson’s Disease, Terminal Illness, Encephalitis, Benign Brain Tumor, Major Head Trauma, Bacterial Meningitis, Poliomyelitis, Apallic Syndrome, Loss Of Independent Existence, Aids, and Cardiomyopathy.

A Chronic Illness is generally an illness that will never be eliminated but may not cause a death. Some examples include:

Heart disease, Malignant cancers, Diabetes, Alzheimer’s disease, Dementia, Mental illness, Arthritis, Asthma and COPD, Kidney disease.

The conditions of this list may be far more debilitative for one person than they are for another. And, insurers set requirements for each condition that means the insured has to have their condition qualify under the insurers definition not necessarily their doctors. That’s where the challenges of getting a claim approved come-in. You can be sure that when you make a claim for a Chronic Illness the insurer will do a very thorough investigation to find ways to not have to pay your claim. You need professional representation on your side to get your claim properly filed and approved.

How to File a Critical Illness Claim

We’ve gotten more than $250 million of claims paid to our clients and we can help you too. We prepare the claim, include our medical opinion, apply scientific facts and evidence that support a proper expectation of life expectancy and keep the insurer honest in their calculation of the formula for determining a maximum cash offer.

Get in touch with us today by phone or email.

1-888-428-4868

The Center for Life Insurance Disputes represents claimants throughout the United States to get them the money they’re owed from Critical Illness, Life Insurance and Accidental Death claims. That’s all we do. We’re THE experts.

Our pricing is fair: no retainer, no hourly fee, no payment unless the claim is paid.

Our results are rapid: clients receive their claim money within 90 days on average.

Our experience and success is unmatched: More than $250 million recovered and 30 years of claim experience.

Critical Illness insurance is offered by many life insurers including:

PRUDENTIAL

MET LIFE – BRIGHTHOUSE FINANCIAL

TRANSAMERICA

NEW YORK LIFE – AARP

LINCOLN FINANCIAL

MINNESOTTA LIFE – SECURIAN

NORTHWESTERN LIFE

NATIONWIDE

MASS MUTUAL

STATE FARM

GUARDIAN

AAA LIFE

AMERICAN GENERAL

ING – VOYA

Critical Illness Claim Frequently Asked Questions

How do I Make a Successful Critical Illness Claim?

A: To make a successful critical illness claim you need to complete the insurers claim form, get the treating doctor to complete the physician’s statement, and provide the insurer with complete contact information for your doctor. But the more important thing to do is understand your policy. The policy will tell you what medical conditions are covered and also how a benefit is calculated.

Why Would a Critical Illness Claim be Denied?

A critical illness claim may be denied because the medical condition is not covered by the policy. This is especially true for non-invasive cancer diagnosis. Likewise, a claim may be denied if it wasn’t reported within the time limit set out in the policy.

How Long Does it Take to Get a Critical Illness Payout?

If you don’t take an active role in making sure the insurance company is being diligent your claim may drag on for months and months. We’ve even seen claims go on for more than one year. You can help make things happen faster by getting involved in the transfer of medical information. But, the insurance company will act at its own pace.

Having professional representation during the claim process will help get the claim offer faster.