Ways To Successfully Appeal After An Insurance Company Denies Your Disability Claim.
The acceptance rate of initial applications for short and long term disability benefits is relatively low. Disabilities often leave people with physical and psychological impairments that prevent them from working, and they rely on these benefits to support themselves and their loved ones financially. Without these benefits, the financial future and security of disabled people are put at risk.
They must not give up after their claim application is denied. Instead, they must immediately consult an experienced disability lawyer. They know how to submit strong appeals so that disability insurance companies approve them. They fight dedicatedly to help their clients obtain the benefits they deserve.
Table of Contents
What Should You Do to Appeal Successfully?
Review Your Previous Claim.
The exact reason why every claim is denied differs from case to case, and reviewing your past application to understand why it was denied is necessary. Common causes include insufficient medical evidence, errors in paperwork, missing documents, late deadlines, and failure to follow physicians’ instructions. Your lawyer helps you identify the mistakes you made during the process and enables you to take steps to rectify them.
Gather Supporting Evidence.
When you appeal, you must provide additional information and evidence that supports your claim. Your lawyer helps you collect and create medical and vocational evidence essential for the favorable outcome of your appeal. They also help you submit evidence such as your vocational assessment, functional capacity evaluation, and neuropsychological evaluation to prove the extent of your disability and limitations.
Plan Your Appeal Letter Carefully.
The purpose of the appeal is to convince the insurance company to reverse their decision and enable you to seek the benefits you deserve. Although a denied claim can be emotionally frustrating, insulting the company or questioning their decision will not help change their mind. Instead, an appeal letter supported by strong evidence and reasoning is more likely to benefit your case.
Do Not Handle Your Own Appeal.
Winning the appeal requires highly specialized law knowledge, which most policy carriers do not possess. They may make several mistakes, such as ignoring surveillance, bothering their physician to provide a rebuttal statement without knowing why their claim was denied, and not reading the insurance adjuster’s notes. Lawyers offer guidance and personalized advice to help you navigate the process smoothly.
Representing yourself can significantly harm your case, and consulting a skilled lawyer is necessary. They help you throughout the process and help you submit a strong appeal that ensures that you seek fair and full disability benefits. They also ensure that you take action within the deadline set by the insurance company to appeal.
