What Should I do if my Long-Term Disability Claim is Denied?
Long-term disability insurance is a type of insurance that helps people that are unable to work for an extended period of time by replacing a portion of their income. People who have long-term disability insurance either purchase it themselves and pay a monthly premium or receive it as a benefit from working for a particular employer.
In most cases, making a claim on a long-term disability insurance policy requires that the insured submit documentation regarding his or her disability, including medical records prepared by a physician explaining the insured’s condition and how long the insured will be unable to work. Unfortunately, in some cases, valid long-term disability claims are denied, resulting in significant stress and potential financial loss for people who should be receiving benefits. Fortunately for people with long-term disability insurance, an initial denial does not always mean that they will not obtain benefits. Below are some of the steps that people whose long-term disability claims have been denied should take. For specific information regarding your case, call a Columbus long-term disability insurance attorney who is familiar with Ohio law today.
Document all Correspondence Between Yourself and the Insurance Company
It is extremely important for people that have had their long-term disability insurance claim denied to keep records of any correspondence that they have with the insurance company. In many cases, claim denials are the result of missing or misinterpreted documentation. For this reason, keeping records of your communication with the insurance company can help you in any appeal process in which you may become involved.
Make Sure Your Medical Records are Accurate
As mentioned above, successfully claiming long-term disability benefits requires the submission of medical documentation indicating that you are disabled and unable to work. Do not assume that your medical records are accurate simply because they were prepared by your doctor or his or her support staff – as a patient, you should always review your medical records and ensure that they accurately reflect your medical condition.
Call an Ohio Long-term Disability Insurance Attorney
Anyone that has had a long-term disability claim denied should contact an attorney immediately. Insurance policies are governed by the contract into which the insurance company and the insured enter and, in many cases, disputes are simply a matter of the interpretation of contractual language. For this reason, the help of an attorney can have a significant impact on the outcome of your dispute. In addition, should your case require filing a lawsuit, it is critical to retain an attorney familiar with litigating long-term disability insurance claim disputes.
Contact a Columbus Long-Term Disability Lawyer Today to Schedule a Free Consultation
The denial of a claim for long-term disability benefits can result in significant lost income. In many cases, the income that individuals with long-term disabilities count on is the only way that they are able to meet their basic financial needs. For this reason, individuals who have had their long-term disability claim denied should talk to a lawyer as soon as possible.