The process of appealing a denied insurance claim
If you have become sick or injured and are unable to work, it may become difficult to pay bills and related expenses. The financial obligations of a long term disability can mount, allowing little room for error in applying for disability benefits from your insurance company. Often times, those who do properly apply for benefits are still denied. Unfortunately, the insurance companies have created an all too familiar routine of receiving qualified applications and wrongfully denying those requests.
Obtaining Legal Help For A Denied Insurance Claim:
With the help of an attorney who specializes in making insurance claims appeals, your chances of obtaining benefits increase exponentially. Most of the advice and assistance offered in the appeals process requires strict attention to detail and an understanding of insurance industry greed. An LTD lawyer can help you:
- Understand why your insurance claim was denied and the methods used to measure/value your need for benefits
- Setting legal and reasonable deadlines for completing your appeal
- Keep track of supporting documentation, communication and additional interaction with your insurance company
- Write an appeal letter detailing your circumstances, timeline and/or evolution of injury or disability, doctor visits and supporting information.
- Keep tabs on the insurance company and the progress of your appeal.
After all the steps taken to ensure benefits are awarded, insurance companies are still able to deny your appeal. In any situation, you have the right to take legal action against them and have your case reviewed by a federal judge. If your initial insurance claim, or your appeal have both been denied, then strengthen your case by hiring a disability insurance lawyer who has extensive experience fighting the insurance companies and successfully obtaining benefits.
Learn more about the basics on disability insurance law from skilled LTD attorneys Burke, Harvey & Frankowski, LLC: