Disability Claim Denied? Here’s What to Do Next
Did you just have your insurance claim denied? Not sure what your next steps should be? We’re here to help! Here’s what to do if your disability claim is denied.
Contact a Lawyer
When dealing with insurance claims, it is always wise to consult with a legal professional. They know precisely how to proceed with the appeals process and will be your best bet for succeeding with your case.
Determine Deadline for your Appeal
The first and most important step is to determine when the deadline is for making your appeal. These are often strict, and once you miss the deadline, you risk the chances left to pursue. To figure out the date, review the letter you received from your insurance company that outlined the denied claim. This is where you can usually find it. If it’s not included, call the insurance company to ask them directly.
Communicate with Your Employer
When your claim is denied, the insurance company will typically update your employer, declaring that you are fit to return to work. You’ll need to stand your ground and write a letter to inform your employer that you are in the process of appealing the insurance claim. Depending on your employer, they will either accept your answer and allow you to proceed with unpaid sick leave. Or they may attempt to tell you that you must return to work. If they take the aggressive path, you will need to obtain a note from your doctor to outline the reasons why you’re off from work, despite what your insurer claims. Remember, as an employee, you are entitled to your rights, and this is one of them.
Identify Reasons for Denial
Your denial should include specific reasons for why they came to their decision. In some cases, they may require additional documents or information. If this is the case for your claim, providing those additional resources and info could make all the difference in succeeding with your appeal.
Organize Documentation for an Appeal
To plan your appeal, you’ll need to organize all the correct documentation. This will typically include the letter that denied your claim, a copy of your insurance info or a booklet outlining your long-term disability benefits. You’ll also need the claim file, a copy of your medical file that outlines your disability, when and how it impacts your ability to perform at work, and in some cases, the agreement from your union. If documents were missing, make sure they are included too.
Finalize and Send Appeal
Finally, it’s time to create and send your appeal letter. This only needs to include your request to appeal and the necessary documentation. That’s it.
Consider Applying for Other Benefits
Since the appeal process can take a bit of time to unfold, it’s a good idea to look for other benefits that you might be able to qualify for that can offer additional financial aid.
If your disability claim has been denied, you don’t have to stress about what to do next. Our team at Zuber Brioux can provide you with legal guidance and support to ensure your rights are protected and your appeal is solid. Contact us today to get started!