So, you are hurt and unable to return to work. How are you going to pay your bills? One option on the table is to file a long-term disability claim. At the same time, how do you know that your long-term disability claim will be honored? If you have a long-term disability policy from an insurance company, there is always a chance that the insurance company could deny your claim. By educating yourself on some of the most common reasons why a long-term disability claim might be denied, you can put yourself in the best position to avoid these issues and ensure your claim is honored.
You Do Not Have Enough Medical Evidence
Just because you say you are injured doesn’t mean the insurance company will believe you. When you file a long-term disability claim, the insurance company will look closely at every scrap of medical evidence to see if there is any way they can get out of paying your insurance benefits. Keep in mind that the insurance company is not there to protect you. They are there to make money, and if they can find a reason to deny your claim, they will. As a result, you need to file your claim with enough supporting medical evidence that the insurance company has to honor your claim. It will not be honored if you do n
ot have the right medical evidence when you submit your claim.
Your Injury Does Not Qualify Under the Plan
Another common reason a long-term disability claim is denied is that your injury does not qualify under the plan. While you might be tempted to go with the cheapest long-term disability plan available, keep in mind that there are some situations where your injury might not qualify under a narrow plan. For example, not every long-term disability plan includes mental health issues as a potential disability. You need to closely examine the definition of long-term disability as it applies to your long-term disability plan. Then, you need to make sure that your injury fits that definition.
You Missed Deadlines or Made Mistakes in the Paperwork
Finally, there are administrative reasons why your claim might also be denied. For example, you might miss the deadline to file a long-term disability claim related to your injury or make a mistake on your paperwork. The paperwork required to file a long-term disability claim can be complicated, and you do not necessarily want to handle this paperwork on your own. Instead, you may want to reach out to a long-term disability lawyer who can help you file your claim, avoid common mistakes, and make sure you get your paperwork in by the deadline. That way, you ensure the insurance company is forced to review your application and consider honoring your claim.
Contact a Long-Term Disability Lawyer Who Can Help You
These are just a few of the many reasons why an insurance company may decide to refuse a long-term disability claim. It can be frustrating if your claim has been denied, but if you reach out to an attorney with experience in this area, you can reduce the chances of your claim being denied. A long-term disability lawyer can review the circumstances surrounding your injury, look at your insurance policy, and help you file a claim with the best possible chance of being honored by the insurance company.
