It can be deeply distressing when your insurance denies your disability claim, leaving you without the much-needed financial support that disability benefits provide. It can be a nightmare, especially with the rising cost of health care. Fortunately, it is not a final decision.
You have the right to appeal a denied claim and potentially have it overturned in your favor. Here are the basic steps.
Understand why your claim was denied
The denial letter from your insurance company should explain why your claim was denied. Knowing why helps you tailor your appeal. It will also outline the steps you need to take to appeal the decision.
Next, go through your plan. Look for information on what qualifies as a disability, how the claims process works and your rights as a plan participant.
Gather evidence
Collect any medical records, test results and other documentation that support your disability claim. You may also want to include statements from your doctors.
Submit your appeal
Draft a formal appeal letter to the insurance company and follow any specific instructions provided in the denial letter. Include a summary of your disability, why you believe you are entitled to benefits and any supporting evidence.
Send your appeal letter and supporting documentation to the address provided by the insurance company and remember to keep copies for your records. Usually, the appeals process involves a series of steps, depending on the outcome. There may be deadlines involved, too, and it helps to adhere to them.
It can all be so overwhelming. Seeking legal guidance can make all the difference in guiding you through the process and increasing the chances of a successful outcome.