If you are new to the world of disability insurance and filing a disability income claim, you may be wondering if you are required to have someone represent you in order to receive disability benefits from your insurance company. You do not have to have someone help, but it is most definitely helpful to consult some sort of disability claim assistance throughout the claims process. Filing your disability insurance claim and dealing with the insurance company on your own is possible, but especially if you have never dealt with disability insurance company, is not recommended. Having disability claim assistance help you through the claims process and represent you for the insurance company is helpful in that you are able to find out what is going on with your claim and how to deal with the insurance company before actually having to do it. You would find out eventually, but it would most likely be the “hard way” after the insurance company had denied your disability insurance claim.
You could allow the insurance company to dictate the entire claims process, and let them tell you what doctors to see, what information to send, and exactly how to deal with the claims process. That being said, finding someone to give you disability claim assistance would be much more pleasant and beneficial for your disability insurance claim. Instead of having the insurance company dictate the process, you could help guide your claim down the path which you wanted it to travel down. This way, the claims process for your disability insurance claim is not as variable and can be much easier to deal with. All in all, it is not required for you to have disability claim assistance before filing a disability insurance claim for benefits from your insurance company. That being said, it is most definitely beneficial and recommended that you find at least some sort of disability claim assistance to help you throughout the process.