You’ve worked hard so that you can be protected by a disability insurance policy. And in the unfortunate event that you do suffer from a disabling condition, you might breathe a sigh of relief knowing that you have protection.
But as you navigate the claims process, you might quickly find yourself disheartened and worried about your future. This is because many of these claims are denied for a variety of reasons. If you’re unable to take appropriate legal action to reverse the denial and secure compensation that you and your family need, then you could be in for a hard road ahead.
Why are disability claims denied?
Insurance companies are going to look for any opportunity that they can utilize to deny your claim. Here are some of the common reasons why these disability claims are denied:
- Lack of medical evidence: Your insurance provider may not be convinced by the medical records presented that you suffer from a true disability. This might be especially true if your disability isn’t immediately visible, such as if you have debilitating anxiety or depression. Therefore, you’ll want to make sure that you have strong medical evidence and compelling medical opinions to support your claim.
- Your disability isn’t severe enough: Even if you provide medical documentation showing that you suffer from a legitimate disability, your insurance company might deny your claim if they think you’re still capable of working. Therefore, while your claim is pending it’s a good idea to avoid engaging in activities and posting on social media in a way that gives the appearance that you’re capable of doing more than your disability actually allows.
- You become able to work in another occupation: Although your initial claim may deem you disabled for purposes of fulfilling your job duties, thereby qualifying you for benefits, a reassessment may put your claim in jeopardy. This is because a medical examiner might deem you healthy enough to work in another profession, even if you can’t return to your old job. This medical examiner will look at your condition in light of your transferable skills to see if you can work in another profession. If they think you can, then your benefits will be stopped.
- You have a pre-existing condition: Your insurance policy is probably riddled with fine print that has a number of exclusions. Amongst those exclusions are probably pre-existing conditions that lead to disability. So, before you move forward with your disability claim, you should analyze that fine print to see how you can argue that your specific condition still qualifies you to receive benefits.
If your disability claim has been denied for one of these reasons or any other justification, then you’re probably worried about what the future has in store for you. Even though things may look bleak, you shouldn’t let a claim denial derail your efforts to recover the compensation that you need. Instead, you need to be proactive in protecting your interests.
Are you ready to take the fight to your insurance company?
The time of being treated unfairly by your insurance company is over. You need to recover what you’re owed, and you need to do so sooner rather than later. That’s why you might want to consider reaching out to a legal team that is ready to advocate on your behalf in these matters. Hopefully then you can effectively counter your insurance company’s arguments so that you can protect your future.