While lawyers and judges are the ultimate legal experts, of course, I believe that every citizen should take the time to learn a little about law for several reasons. First, it is important to know your rights, and knowing them can come in handy if anyone ever accuses you of a crime you didn't commit or threatens you legally in another other way. Second, learning about your local, state, and federal laws can help you act as a better citizen. When election time comes around, you can then truly understand ever change in law being proposed by a candidate and whether it benefits society or not. I plan to share posts about law topics explained in plain English on my new blog, so you can come back often to sharpen your legal knowledge!
Many people hold long-term insurance policies, which are designed to pay a person a set percentage of their income in the event that they are unable to work for an extended period of time due to illness or a serious injury. While a large portion of long-term disability insurance claims are approved and processed by the insurance company, there are situations where the insurance company may deny the claim. If you have filed a long-term disability insurance claim and have received a denial, it is important to act promptly. Take the following steps after your long-term disability insurance claim is denied:
Request Your Administrative Record
When a long-term disability insurance claim is denied, a letter will be sent out explaining the reasons why. However, the denial letter will not have all of the information that you need. After receiving a denial letter, contact the insurance company and request a copy of your administrative record. Your administrative record will include important documentation, such as reports from doctors employed by the insurance company to review medical records, as well as information about any medical care that you receive. The insurance company is required by law to give you your administrative record if you request it.
Gather Important Documentation
After you receive your administrative record, you will need to gather additional documentation, including your explanation of benefits, any official papers that you sent to the insurance company, medical records from the doctors who are treating you, and any email correspondence you may have had with representatives from the insurance company. Having as much evidence as possible in the way of documents will play a major role when appealing the denial of your long-term disability insurance claim. Don't attempt to move forward with the appeal process without having all of the necessary paperwork.
Hire an Experienced Attorney
Insurance companies can be very difficult to work with, and it can be very frustrating to try to appeal a denied insurance claim. Your best bet in this type of situation is to hire an experienced attorney to represent you. An attorney who specializes in disability cases will have the skills, training, and experience needed to help you successfully appeal the denial of your claim. You can count on your attorney to communicate with the insurance company on your behalf and prepare everything that is necessary for your appeal. An insurance claim denial is much more likely to be overturned when an attorney is involved.