Tips For Handling A Disability Insurance Denial

A denial of your disability claim from your insurance company does not necessarily mean that you cannot receive the financial help you need. You have the option of appealing the insurance company's decision. Here are some tips to help you with your appeal.

Research the Denial Reason

Disability insurance claims can be denied for a variety of reasons. For instance, the insurance company might feel that your injury was not serious enough to warrant payment. Before you can appeal the decision, it is important that you understand how the decision was reached. 

Although the reason for the denial should be included in the denial letter, you might have to contact the insurance company for additional information. If the reason is not clearly stated, call the company and ask questions. Find out the specific reason for the claims denial, the policy provision under which it is denied, and the information that was used by the insurance company to make the decision. 

You also need to be clear on the deadline for filing an appeal. The date should be included on the letter, but you need to know the exact date that the insurance company has determined is your deadline. 

Review the Evidence

Using the reason cited by the insurance company, take time to review the evidence that was used to base its decision. By evaluating the evidence, you can determine what steps you can take to convince the insurance company that your claim should be paid. 

For instance, if the insurance company believes that your injuries were not serious enough to warrant disability payments, you need to provide additional documentation to support your claim. Your doctor could provide a statement that supports your claim. He or she needs to explain in exact detail why you are unable to work. 

You also can write your own statement to the insurance company that offers details on how your condition impacts your day-to-day activities. It is important to not over-exaggerate, but you do need to be detailed. 

If possible, you need to find experts that can help you build your case. Experts, such as vocational and medical experts, can be useful in explaining how your condition impacts your ability to work. 

An attorney from a company like Iler and Iler can help you identify other ways to appeal the decision made by the insurance company. Remember, there is a limited amount of time to file your appeal, so take action as quickly as possible.