What should you do when your insurance company denies your long-term disability claim?
It’s upsetting when you develop a debilitating condition that prevents you from working. As a result, you need to file for long-term disability benefits. But what should you do when your insurance company denies your long-term disability claim?
Reasons Why Your Long-Term Disability Claim was Denied
Something as minor as missing a deadline can lead to serious problems. Which is why you must follow the regulations in your policy when filing for long-term disability benefits. The most common reasons why your long-term disability claim was denied include:
- Your policy has information, including specific deadlines you must meet. A missed deadline is sometimes all an insurance company needs to deny your long-term disability claim.
- Although your medical records are generally a main source of evidence, submitting supplemental evidence can strengthen your claim. For instance, you can submit specialized reports from your physician.
- Another reason why your long-term disability claim was denied is that your career is risky. Insurance companies factor in the number of benefits they have to pay when deciding whether or not you deserve the services.
Fortunately, you can appeal when the insurance company denies your disability benefits.
Look Over Your Disability Policy and Your Denial Letter
Moreover, you must review your policy when your long-term disability claim is denied. Your policy will have information on how to appeal. Once you review your policy and understand the requirements, you should consider your denial letter. This letter should state why the insurance company denied your disability claim. The denial letter should always explain when and how you can file an appeal.
Include Updated Evidence When Appealing a Disability Denial
Lastly, you should consider the evidence you submit as part of your appeal. Supplemental evidence you might want to submit with your appeal are:
- Sometimes you need to submit additional medical evidence such as neurological evaluations and functional capacity.
- Submit specialized reports from your physician that highlight specific aspects of your health condition that usual medical records do not include.
- Witness statements from people who see you daily will demonstrate how your health prevents you from working.
While many claimants file their disability claims alone, you don’t have to complete this process independently. The MWE Partnership can assist you today with your long-term disability insurance!
Get Your Voluntary, Supplemental, and Health Insurance Policies with the MWE Partnership!
Are you a business looking to provide your employees with essential voluntary benefits? If so, look no further than The MWE Partnership. When you choose The MWE Partnership, you get experienced service and comprehensive voluntary benefit options that will meet all your employees’ needs. With over 17 years of experience, The MWE Partnership is your go-to provider for all your supplemental benefit needs. If you are interested in finding out how The MWE Partnership can help your business, contact us today! We encourage you to like our Facebook page and follow us on Twitter and LinkedIn for the latest voluntary benefit news!