If your long-term disability claim has been denied, it's essential to understand your rights and options. The Employee Retirement Income Security Act, or ERISA, regulates most long-term disability policies. It's important to remember that proving your disability is not enough. The insurance company may want independent medical testing. If this happens, be sure to gather information on the testing, including who was involved. Another essential step to take when challenging a long term disability denied is promptly filing an appeal. Having an appeal filed in time can help your case. If you miss the deadline, your long-term disability claim will be disregarded, and you will have to start the process over again. A company might have several reasons to reject your claim. One reason is that the insurance company needs more information.
Insufficient evidence to prove your disability
Whether or not your claim is approved depends on a few things. You must have sufficient evidence to prove your disability. You should have independent medical reports as well. Moreover, you must submit your application promptly and provide the right information. Otherwise, your application may be rejected. If you can prove your disability, you can appeal. The insurance companies will likely request independent medical testing in the future. If your claim is approved, the insurance company may ask for more documentation. If you cannot submit this information, ask the insurance carrier to reconsider the denial.
Unable to prove duration of your disability
Besides medical conditions, you must prove that you've been disabled for more than 24 months. Your independent medical reports may be deemed invalid because of this clause. Therefore, you must complete your application on time and accurately. If you can't satisfy this requirement, you can still challenge your LTD claim. It's essential to note that the government is very strict about deadlines, and a late application can jeopardise the chances of winning your case.
Exclusion in your contract
A disability insurer might deny your claim due to exclusion in your contract. This clause usually applies to individuals within the first year of coverage. This means that your claim has been denied due to exclusion. In such a case, you can seek compensation by filing a lawsuit. If your application is rejected, you can pursue it in court. In addition to the damages, you can also sue the insurance company for aggravated or punitive damages.
Insurer's insufficient medical evidence
The insurance company may require you to undergo independent medical tests before allowing you to appeal. In this case, you should request all the names and contact information of all the medical practitioners who worked on your case. However, you should be aware that a long-term disability claim may be denied due to the insurer's insufficient medical evidence. It would help if you never assumed that your lawsuit would be rejected. It is crucial to know your rights and understand them under the law.
Job classification or occupation
You may be denied coverage due to a job classification or occupation. You must submit a complete application on time. Be sure to give all the details about your disability. If you do not, you may be denied long-term disability coverage. Then, it can be vital for you to hire an attorney to fight for you. A skilled lawyer will help you fight the insurance company on your behalf. This will help you avoid any further hardship.
Unable to submit your claim on time
Just make sure you submit your claim on time and with the right information. The insurance company will see that you have received regular medical treatment for your condition. If you have a mental health condition, you must have a mental health provider. If you have a physical impairment, you need to treat a medical professional regularly. A physician will be able to conduct objective tests and confirm your disability. You must provide the right information to convince the insurance company.
Contact your employer immediately
When you get a long-term disability claim denial letter, you should contact your employer immediately. If you are young and unemployed, you can still file an appeal. It would help if you kept in mind that the insurance company's internal reasons for denying a disability claim are not based on your health.