Super Lawyers
Consumer Attorneys California
AV Preeminent
State Bar of California
American Association for Justice

Disability Questionnaires

Guidance When Facing Disability Questionnaires

If you have filed a disability claim, you must be very careful when responding to questionnaires sent to you by the insurance company. You may also be required to attend a medical examination arranged by the insurance company. Your insurer may seize on any evidence it can in an attempt to deny your claim or limit the amount of time benefits are provided.

At Roboostoff & Kalkin, we have been advising and representing clients in disability insurance cases for more than 25 years. We understand the techniques insurance companies use to evaluate disability claims and how to protect our clients' ability to obtain benefits.

Before you respond to a questionnaire, attend an interview about your condition or appear at an insurance company-arranged medical examination, contact our lawyers.

Watch What You Say

Disability insurance companies tend to use multiple choice or "check the boxes" questions on the questionnaires they send out. If you simply respond by selecting one of the choices offered, this can provide an incomplete or misleading picture of your true condition.

When responding to a question, do not feel that you are restricted to only the choices listed. You can make a notation or provide an explanation in the margin next to the question, or on a separate page if necessary. For example, you might respond to a question by writing something like "On a good day I can do this, but on a bad day I can't do that ..."

Our firm can help you provide comprehensive responses that relate to the definition of disability under your plan and portray the true state of your abilities. This will enhance your chances of obtaining the disability coverage you have paid for.

Doctor and Nurse Interviews

The same advice goes for interviews arranged for you with a doctor or a nurse. Explain your physical inability to perform a particular task in some detail and be clear when describing pain symptoms. Make sure the interviewer understands what you are saying. Ask for the insurance company's permission to record the interview and confirm their approval or refusal in writing.

If you have any questions, feel free to call our attorneys at Roboostoff & Kalkin for a free initial consultation.

A Full Range of Services to Protect Your Rights

Roboostoff & Kalkin will not treat yours as just another case. We will strive to understand the specific problems you are facing and do our level best to convey the proper information concerning them to the insurance company or the court.

You can depend on Roboostoff & Kalkin to provide you with excellent representation and sound advice at all stages of the claims process.

For a free initial consultation about a disability claim in San Francisco, Oakland or elsewhere in the Bay Area, contact our firm: 877-374-7270.

Client Reviews
Just when I thought there was no hope to recover my LTD benefits, I found attorney Constantin Roboostoff. With his expertise, I was able to recover all of my back long term disability benefits. Other attorneys wouldn’t take my case because it wasn’t cut and dry. Mr. Roboostoff took the challenge and did an incredible job. Not only did he get my current disability benefits going, he also recovered all my back benefits. He was a true blessing and I would recommend him whole heartedly. CW
It was my pleasure to make contact with Scott Kalkin three years ago after other lawyers had turned me away and told me I would not succeed in my lawsuit. Thanks to Scott's thoroughness, dedication, and diligence, my lawsuit WAS successful and he saw me through to the end, which included putting legal pressure on the insurance company which had invested so much time, personnel, and money, in not paying me what was due. RB
As soon as I met with Scott, I could tell he was knowledgeable, resourceful, experienced, highly professional, and would be dedicated to getting me fair treatment. Scott has handled all interactions with my insurance company ever since. Being able to rely on him to represent me has been a huge relief for a chronically ill person. SO