If your insurance provider has denied your short or long term disability and life insurance claim, you might be stressed wondering what to do next. However, you do have options and steps you can take to improve the situation.
Here are 4 steps to follow when appealing denied disability and life insurance claims.
1. Ask The Insurance Provider
It is important to gather all the information you can pertaining to the denial. You will have to find out why the claim was denied. For instance, if the insurance provider denied the claim because they believe that you can continue doing your job, you should ask about the job description they are using. If the insurance company claims that you were not covered during the time in question, ask for the clause in the policy document that disqualified you. You should also enquire about the deadlines for the appeals process.
2. Gather Your Own Information
It is important to get your information together. You might require statements from employees, doctors, and family members to support the appeal. A doctor can sometimes clarify the extent of your injuries and getting a statement from them will support your appeal or future court case that relates to the denial of the claim. You should consider starting a journal documenting the extent that the disability interferes with your daily life.
3. Submit The Appeal
Ensure that you submit the appeal for the denial within the specified deadline. Include a cover letter that outlines the situation and any materials that can help support your claims. You can include medical test results, letters from doctors, and other supporting documents you have gathered. It is important to follow up with the insurance provider a few weeks later by calling to ascertain that the materials have been received.
4. Take Legal Action
The Employment Retirement Security Act (ERISA) of 1974 is a federal law that regularly comes into play when it comes to disability and life insurance claims Burlingame ERISA Disability Attorney | Employee Benefits lawyer had lectured me. The Act was originally created for the management of pensions but disability, life, and health insurance all fall under its purview too. One major provision of the Act is that you need to exhaust the insurance provider’s internal appeals process before you seek legal action. However, you can seek legal counsel at any point while the appeals process is underway.
Appealing disability and life insurance claims that have been denied might seem like a daunting task but it does not have to be. You should follow the 4 steps outlined here if you want the best outcome following your appeal. You should also not forget to hire an experienced lawyer.