The companies that sell long term disability insurance want every application to be free of any errors. Consequently, there are some simple measures that an applicant can take if a request for long term disability insurance has been denied.
First, the applicant should check to see whether or not he/she made one of the more common mistakes
• Had the applicant overlooked some of the details in fine print?
• Had the application lacked a sufficient quantity of medical documentation?
• Had the applicant delayed initiation of the claims process?
• Did the applicant’s form lack evidence of the fact that the person that had filled out the same form was totally disabled?
• Did the insurance company believe that the applicant’s limited abilities could be used in an alternative occupation?
• Had the insurance company received an incomplete or incorrect application?
• Did the submitted doctor’s report not match with the report from the insurance provider’s medical team?
Any of those mistakes could be corrected, paving the way for the application’s resubmission. You might need a lawyer’s help with some corrections. For instance, you might wonder how you could show that you were totally disabled.
The evidence of that fact should be something that would apply to just about any job. Think about what sort of action would not be wanted by any employer. You might focus on an action such as falling down on the job.
Could the demands of a job cause you to fall down? If so, then, what evidence do you have of that fact? Can you recount a time when you did fall down at work or at home? Use your recollection of that time to reinforce the fact that you qualify as someone that is totally disabled.
What actions could be taken, if the request for long-term coverage was still denied?
• Learn the date of the deadline for an appeal
• Let your employer know about any plans to appeal the recent decision.
• Get detailed notes from your doctor, along with other evidence of your condition.
• Carefully study the insurance policy
• Carefully study the denial letter; draft an appeal letter
Have a personal injury lawyer in Cambridge review the appeal letter, and then send it to the insurance provider. Hopefully, you would be granted a chance to appeal the decision. If not, then you would have to work with a lawyer to take stronger, legal measures. Be patient, the time that must pass while you seek a reversal of denial could allow for development of some further symptom.
Maybe the appearance of that symptom would finally convince the insurance company that you deserved to receive long-term disability insurance. If not, you would have another piece of valuable evidence to use, as needed.