Are you a victim of disability insurance denial? Do you need to find out how to deal with a disability insurance denial?
Disability Insurance Denial In a Nutshell
Do not take “No” as a final answer. Insurance companies are, in the end, not interested in paying for claims and often deny disability claims in hopes that the majority of claimants will walk away from money that is genuinely deserved.
The first step to any denied long-term disability claim is to understand “Why?” .
If you find that it was due to an administrative error, or simply forgetting to fill out a certain section of your claim, then this error is usually easy to fix, and your claim should be processed. But, if your insurance company has denied your claim which is accompanied by sufficient medical documentation, or if you feel that you claim has been denied in bad faith, then you may appeal your insurance companies decision and even bring the issue to court.
Disability Insurance Denial Explained
Some common reasons insurance companies flat out deny a claim is that they deny ones disability as being legitimate, either through the definition itself, the fact that you live a lifestyle that is not conducive to healing, you have other medical conditions and are exaggerating your symptoms, or simply your social media says otherwise. But, who are they to determine a disability? You do not want to wait too long to hire a lawyer to appeal a decision by an insurance company. It is important that upon receiving a long-term disability denial letter, you contact a long-term disability lawyer immediately to review the decision, and further to outline possibility for appeal. Have faith in your lawyer and disclose everything you can to support your claim. Simply put, do not give up!
Long Term Disability Denial Attorney
A Long-term disability denial attorney is one who specializes in denied claims and are equipped and ready to help fight for the disability benefits you are entitled to. Most long-term disability appeal lawyers will work on a contingency basis, and will confidently appeal a claim they see is valid. It is important to contact an insurance lawyer to help you in your long-term disability dispute because they will have full knowledge of the legal system, as well as the dealings of an insurance company. The jargon, the policy referencing – this is all taken care of by your legal team, and further should be of no stress to you through the entire process.
Long Term Disability Appeal Letter
Here is a sample of how a long term disability appeal letter should read:
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Agent Name
Insurance Company
Insurance Company Address
RE: Policy Number
Claim Number
Dear [Agent Name],
I am contacting you with respect to the following claim:
Patient Name
Claim Number
Provider
Date of Service
On the following date I received notice that this claim was denied.
This claim should not have been denied for all services were and/or are medically necessary. Please find attached a letter from [Insert Doctors Name Here], providing an appropriate explanation, in detail, for reconsideration of this denied claim.
Please find included in this letter all needed documentation to support this claim.
For any further questions or concerns, please feel free to contact me at [Insert info here]
Thank you for dedicating your time to this matter.
Sincerely
[Name]
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During a long term disability denial appeal, your lawyer will provide and support you socially and financially through the process.
Get a Long Term Disability Lawyer
Do not opt in for an internal appeal, for this will only lengthen the time you have to wait before receiving the benefits you are entitled to. You do not want to waste any further emotional, financial or physical effort in a process of appeal. You have a choice and you should choose a lawyer to be your partner through this process.
You never want to do anything to harm your case, nor be denied benefits simply because you missed a deadline. Hiring a long-term disability lawyer would prevent any of that from happening; a long-term disability attorney will help you receive the optimal benefits you are entitled to, and sometimes don’t even know about.
