We purchase long-term disability insurance with full faith, assuming that if need arises we will get our rightful claims.
Sadly, this does not happen in all instances.
There are countless cases when a long term disability claim has been denied by insurers.
For the policy holders, denial is a serious setback bringing with it fears of grievous financial and emotional consequences.
While the normal reaction to an unfavorable decision is expectedly unsettling for most, it is essential for policy holders to remain composed if they are to confront denials in a manner that can eventually be beneficial.
If you are one of those whose long term disability claim has been denied, here is what you can do.
Get to know why the claim was rejected.
Typically, the insurer must send you a letter that covers the reasons for denial, the specific policy provision that governs the denial, and the steps for an appeal process.
You must read the letter carefully and make all preparations to go ahead with the appeal.
In case medical documents are incomplete or missing, plug the gap. Perhaps, you may need to consult your doctor, so that he or she can review the medical statement.
Insurers work with a definitive aim to reject disability benefits, as claim payments eat into their profits. This is a targeted objective for insurance companies.
While they make all efforts to sell you their products, they make even greater effort to reject claims. The endeavor is to finally wear down the applicant to the point where he or she will either accept a far lower settlement or reconcile to a complete denial.
If need be, you must not hesitate to get legal help. Experienced lawyers have confronted scores of denials successfully. There is no reason why your claims shouldn’t sail through.
Share Lawyers, established in 1987, is a well-known lawyer firm specializing in personal injury settlements and long-term disability insurance claims.
Sadly, this does not happen in all instances.
There are countless cases when a long term disability claim has been denied by insurers.
For the policy holders, denial is a serious setback bringing with it fears of grievous financial and emotional consequences.
While the normal reaction to an unfavorable decision is expectedly unsettling for most, it is essential for policy holders to remain composed if they are to confront denials in a manner that can eventually be beneficial.
If you are one of those whose long term disability claim has been denied, here is what you can do.
Get to know why the claim was rejected.
Typically, the insurer must send you a letter that covers the reasons for denial, the specific policy provision that governs the denial, and the steps for an appeal process.
You must read the letter carefully and make all preparations to go ahead with the appeal.
In case medical documents are incomplete or missing, plug the gap. Perhaps, you may need to consult your doctor, so that he or she can review the medical statement.
Insurers work with a definitive aim to reject disability benefits, as claim payments eat into their profits. This is a targeted objective for insurance companies.
While they make all efforts to sell you their products, they make even greater effort to reject claims. The endeavor is to finally wear down the applicant to the point where he or she will either accept a far lower settlement or reconcile to a complete denial.
If need be, you must not hesitate to get legal help. Experienced lawyers have confronted scores of denials successfully. There is no reason why your claims shouldn’t sail through.
Share Lawyers, established in 1987, is a well-known lawyer firm specializing in personal injury settlements and long-term disability insurance claims.