When a disability has left you unable to work either short-term or long-term, your insurance company is there to help you get by, or at least, they are supposed to be. What happens when your disability claim is denied, or the payments you have been receiving are terminated? When your life is upended and you are relying on your insurance only to find that it is not there for you, what options do you have?
There are a variety of reasons why your disability benefits claim may be denied. Some may be simple errors; others may be a result of something more complex. Among the possible reasons are:
- Clerical errors in the application
- Missing the deadline or time limit to file
- Discovering a pre-existing medical condition that you had not been aware of and which makes you ineligible
- Your disability is the result of an activity excluded in your policy (drug use, drinking, etc)
- Failure to submit necessary medical evidence
- Your insurance company obtained evidence that contradicts your claim of disability
- A medical professional found that your disability does not prevent you from working
- The insurance company believes you refused to receive treatment or attend a medical appointment they arranged
These are just some of the reasons that your insurance may deny your claim. What’s important now is what to do about it.
What to Do If Your Disability Benefits Claim Was Denied
When your claim is denied, you do have some options available to you, namely:
- Appealing the decision is done via the company’s appeal process. This is an appropriate choice when your claim was denied due to failure to provide sufficient medical evidence, missing documentation, or discrepancies in provided information. It is also a good option if you initially refused to comply with medical treatment or assessments but have since agreed to do so, or if you were not examined by a doctor approved by the insurance company but have since done so or agreed to do so.
Having to deal with health issues is a stressful enough time as it is. We strongly believe that you shouldn’t be left worrying about your financials too. See more about denial of disability benefits and if you think you’re entitled to your benefits.
You can also contact Hillside Law for a call today at 250-487-7030 for a confidential, no obligations chat.