![]() If you received a denial letter from Aetna regarding a disability claim, you should seek help from a disability lawyer. One of our highly capable lawyers can review your Aetna plan and file any necessary appeals. If Aetna delays your disability claim, you should reach out to disability lawyer at Osterhout Berger Disability Law. Once the claim has been submitted, you can follow its status through Aetna’s WorkAbility Management System. You’ll be responsible for filling out the information about yourself and your disability. Information about the company you work for, the disability plan you have, your job including your salary, and whether you have life insurance through Aetna will all be required of your employer. The top half of the form will have to be completed by your employer while the bottom half of the form is to be completed by you. To submit a claim to Aetna, you’ll have to fill out their Disability Claim Form and mail it in to the address found on the form. Instead of sitting back and accepting their findings, you should fight back and appeal their decision. What these companies bank on is that the policyholder not question the reasons why they’ve delayed or denied the claims. However, the tactics in which these companies use to justify the delay or denial of the claim typically do not hold up in a court of law. It’s fairly typical for an insurance company to delay or deny claims as it means they get to hold on to the money and forgo paying you. Again, your plan summary will have a more detailed explanation of the plan’s benefits. If you have to be hospitalized or sent to a treatment facility due to mental reasons or substance abuse, your benefits may continue for a while longer. If your disability is due a mental health or psychiatric condition, or from alcohol or drug abuse, your benefits will stop coming after 24 months. There are, however, two exceptions to that rule. While the pay for the short-term plan is based on time, the pay for Aetna’s long-term disability is based on your age at the time the disability happened. One difference is how long you’re able to collect disability pay through the long-term disability plan. Aetna long-term disabilityĪetna’s long-term disability insurance has the same limitations as the short-term disability plan. You’ll only be able to collect disability for an allotted amount of time before you’ll have to switch to long-term disability insurance if you qualify and have opted to receive this through your company. Aetna requires that you miss a certain amount of days before you can start collecting your disability pay. These injuries and illnesses are described in your plan’s summary. With Aetna, only certain injuries and illnesses qualify as a disability. If you suddenly find yourself unable to work for a short period of time, Aetna offers short-term disability insurance through your employer to help cover a portion of your income while you’re recovering. Understanding disability insurance from AetnaĪetna offers both short-term and long-term disability insurance to allow employers to help protect employees fill their income gap from the time they stop working until they can return to work. Their services range from medical plans to behavioral health programs. They are publicly traded and claims to serve over 37 million people. ![]() is a giant health care company that made over $60 billion in revenue in the last fiscal year. ![]() However, you should fight to get what’s rightfully yours when you opt to use one of their disability insurance products. Unfortunately, there are many cases where insurance companies, like Aetna, delay or deny an insurance claim hoping that you won’t question the reason why or attempt to appeal their decision. If you opted to get Aetna’s disability insurance through your employer, you deserve to take full advantage of the benefits that come with the plan should you find yourself unable to work due to an injury or illness.
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