When it comes to disability insurance claims it can be really tough to get your claim filled by your insurance provider. There are many ways insurance companies try to not pay you. This is not to say you shouldn't get disability insurance. It is a very important financial tool especially for employees who are high risk or supporting others.

Ideally, you want to contact a Fiduciary, not a Broker when buying any financial products. A Fiduciary has the legal obligation to provide you with the best product that meets your needs. A broker or agent, has a responsibility to his company to sell their product. This distinction is SO BIG that it cannot be understated. No matter how much you like your broker or agent, their only legal obligation is to give you a "suitable" financial product. Suitable does not mean best or even good. Your agent may have the best possible intentions, but they are bound by their agreement with their company to do what's in the best interest of the corporation while doing what is suitable for you.

Lastly, once you've purchased your policy, have a disability attorney assist you in filing your claim. They will ensure that all paperwork is filed properly giving the insurance company the least amount of opportunity to not pay you.

The below video gives you some great tips on ensuring you do not get screwed by the insurance company.