It's not uncommon for insurance companies to deny long-term disability claims for mental impairments. Insurance companies will examine your claim closely to find the slightest discrepancies and mistakes that can give them a reason to deny your benefits. Here's why it's essential to keep good documentation when you submit a long-term disability claim to your insurance company.
Medical Records and Documentation
You'll need more than just a note from your doctor stating that you are disabled. Without medical records and other documentation to support your mental disability, there is no basis for a long-term disability claim. Any medical documents and records about your disability should be kept organized and stored in a place where you have easy access to them.
Statements From Mental Health Professionals
When it comes to your mental condition, your doctor's comments and opinions about your disability is an extremely critical piece of evidence in your claim. Having your mental health professional's cooperation is also vital to lessening your chances of a denied claim. Your treating doctor should also have an understanding of how long-term disability claims work as well as know the importance of meeting critical deadlines and dealing with insurance companies.
How to Handle the Independent Medical Exam (IME)
IMEs are conducted by a medical professional ordered by the insurance company. Since IME doctors tend to lean in favor of the insurance company, it's extremely important to know what to expect from your IME exam. Here are some tips on how to ensure that you get the best possible outcome from your IME:
Bring a friend or family member to your appointment and have them take detailed notes about your exam. For example, how much time the doctor spent with you and the questions you were asked.
Ask for a copy of the IME report. Review the report for any discrepancies. If there is questionable information, it's in your best interest to consult an attorney who specializes in long-term disability claims.
When You Need a Long-Term Disability Lawyer
Your priority is to take care of your mental health and well-being. Individuals who attempt to file a long-term disability claim on their own often find it stressful when dealing with insurance companies. Having a long-term disability attorney at your side that knows how to navigate ERISA laws can make all the difference to the success of your claim.
Whether you need help with a new claim or an appeal, contact Dabdoub Law Firm today at (800) 969-0488 to schedule a free consultation to learn more about receiving the benefits you deserve.