What To Do If You’ve Been Denied Long-Term Disability
Disability insurance offers coverage if you suffer an injury and fact a loss of income as a result. The injury itself can either be physical, such as a severe back pain, or psychological, such as depression. Disability benefits are often based on your salary or income prior to the injury.
You can purchase the long-term disability coverage yourself, of course, but many employers will provide it to their workers as a component of the company’s employee benefits package. Long-term disability coverage will provide you with a perpetual income replacement if you are unable to return to work as a result of an injury. If you are injured, your insurance coverage provider will review your specific long-term disability claim before approving or denying it.
Why do claims get rejected?
Long-term disability claims may be rejected for several reasons. One is that the insurance company, or their appointed doctor, does not trust that your injury is severe enough to require being off work long-term. If the insurance company believes you are injured, but you are still capable of fulfilling your job duties in a limited capacity or work at different job within your qualifications for the same organization, your long-term disability claim could then be rejected. A lawyer can help you navigate these circumstances.
What to do if your claim is rejected
There is a chance that your insurance provider will offer you an internal appeals process if your claim is rejected. These circumstances position you at a distinct disadvantage, however, because your claim has already been denied by the company reviewing it. An appeal is rarely a successful endeavour for the injured party.
Another issue is that the amount of time you have in which to litigate for a settlement may be limited. If you spend too much time in the appeals process, you may be out of options before your denial is confirmed. To avoid this, it’s often in your best interest to consult a lawyer as soon as your disability claim has been rejected. An experienced lawyer can work with you to determine your most logical way forward.
A settlement is often your most prudent option because it means you will no longer be subjected to regular doctor’s visits. Disability settlements often resolve much faster than other types of negotiated settlements, like personal injury, because there is a specific and fixed amount in your policy.
Are you looking for sound legal advice for your organization, business or corporation? Contact KGPC LLP today.