What to Do When Your Disability Insurance Claim is Denied

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Dealing with a disability is tough enough. But when you have a disability claim that gets denied, it can be totally overwhelming, especially when you need the disability benefits for financial support and, likely, to keep your health insurance benefits. The good news is that an initial denial of your claim isn’t the end of the road. You can appeal the insurance company’s decision and quite often have the denial overturned, but there are specific steps to follow. In this blog post, we’ll explore some essential things you should do when you learn that your long-term disability claim has been denied.

Get a Copy of Your Claim File

Before you start any appeal of the decision, be sure to get a copy of your claim file. That file contains all the information the insurance company used to make its decision. Understanding why your claim was denied before filing an appeal is essential. Getting a copy of the file will help you know the specific reasons the company denied your claim. You’ll need to request it in writing, but an email is fine.

File an Appeal

Usually, your insurance policy will have a specific period within which you need to file an appeal. You need to file your appeal within that timeframe. Remember, the insurance company denied your claim based on the information presented. You need to present new and convincing information in your appeal. You may want to work with an attorney who can help ensure that the appeal is filed correctly to increase your chances of success. If you need more time, you can request it from the insurance company. The appeal is also the time you want to reach out to a lawyer, as an experienced lawyer can help identify and obtain the proof the insurer wants to see to reverse the denial.

Gather Evidence

This is the most crucial step in the appeal process. Collect as much evidence as possible as you prepare your appeal. Evidence could be in the form of medical records, doctor’s notes, new testing, journals and diaries that track your symptoms, vocational evidence that more clearly explains the nature of your occupation, and video footage that demonstrates your disability. If you present evidence properly, your appeal has a better chance of success. 

Contact a Long-Term Disability Claims Attorney

If you have had a short-term or long-term disability claim denied, do not despair. You can appeal the decision and fight to have your claim approved by following the right steps. Be sure to get a copy of your claim file, file your appeal within the given time frame, gather convincing evidence, hire an attorney experienced in these matters, and stay tenacious throughout the process. With proper and informed planning, it is possible to win your appeal and get the financial support you need to cope with your disability. 

The problem, of course, is that you are disabled, which often makes it hard or impossible to manage all of the steps involved in an appeal. Monahan Tucker Law helps disabled people get the benefits they are entitled to by taking on insurance companies who deny valid claims. Contact us today, and we can handle the appeal so you can focus on your health.

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