If you’re living with a disability, you may apply for the benefits that you believe are due because of your insurance coverage. After all, you may not be able to work. You could also be facing extensive medical bills as you get treatment. It’s important for you to know that these costs are going to be covered since you had the insurance from the beginning.
But there is a chance that your claim could be denied. This can be very frustrating, delaying the process or preventing you from getting the benefits that you need – and that you feel you deserve. Is there any way that you can avoid it?
Presenting proper evidence
Denials happen for many reasons, but one of the most common is that the insurance company doesn’t feel they have the proper medical evidence to validate the claim. It’s one thing for you to say that you have a disability and quite another for a medical professional to confirm that. Medical evidence could include things like:
- Lab test results
- The results of an MRI or a CT scan
- Statements from a medical care provider
- Physical and mental health records
- Documentation of injuries and ailments, along with the necessary treatment
Additionally, medical evidence will usually include a statement from a medical professional indicating how long they believe the disability is going to last. This can show that it’s not just a short-term condition that should get better quickly, but something you are going to be dealing with for a significant amount of time. As you work your way through this process, be sure you understand all the legal options you have at your disposal.