It’s not uncommon for insurance companies to deny a long-term disability claim even when the evidence of disability appears to be obvious. Understanding the common reasons why long-term disability claims are denied will help you present the best possible disability application.
Why Having A Supportive Doctor is Critical
A doctor who supports your claim can make or break a disability case. It is essential to see your doctor as recommended, as well as make sure your doctor documents your limitations and restrictions on your medical record. It is also necessary to make sure your doctor provides the right medical documentation of your condition to support your disability claim.
The Importance of Meeting Deadlines
Long-term disability insurance policies have important deadlines that you must meet when filing a claim. Missing one of these critical deadlines can result in a loss of benefits. Some commonly missed deadlines include:
- The timeframe in which you must file a claim
- Providing evidence of disability
- The timeframe in which you must submit an appeal
Most insurance policies give you 180 days to appeal a denial. When you receive your notice of denial from the insurance company make sure you take note of the filing deadline date provided.
How Poor Medical Documentation Can Impact Your Claim
You need to provide medical evidence to prove you are disabled. Your medical reports should accurately reflect your symptoms and why they prevent you from being able to work. While medical records are very important, statements from your doctor showing that his/her medical opinion supports that you are unable to work is another essential piece to your claim.
Filing a long-term disability claim on your own can be a stressful feat, especially if you are inexperienced in ERISA laws and the process of filing a claim. Our disability attorneys will guide you through the process so you don’t have to face the insurance companies alone. Contact Dabdoub Law Firm at (800) 969-0488 to learn more.