{"id":9982,"date":"2019-08-12T00:38:02","date_gmt":"2019-08-12T00:38:02","guid":{"rendered":"https:\/\/grillo.ca\/what-to-do-if-your-long-term-disability-claim-is-denied\/"},"modified":"2023-04-06T17:59:02","modified_gmt":"2023-04-06T21:59:02","slug":"what-to-do-if-your-long-term-disability-claim-is-denied","status":"publish","type":"post","link":"https:\/\/dev-causetume.wpbox.top\/zh-hans\/what-to-do-if-your-long-term-disability-claim-is-denied\/","title":{"rendered":"What to do if your Long-Term Disability Claim is Denied?"},"content":{"rendered":"

After paying premiums faithfully for years, you\u2019ve suffered a disabling condition, filed a claim and it has been denied. What should be your next steps? The outcome of your claim will affect your life, your finances, and future<\/strong>.<\/p>\n

\"Common<\/p>\n

When your application for disability benefits has been denied, don\u2019t give up hope. You can take steps to appeal the decision and receive the disability benefits you need to carry on with your life. You just need to do your research and do things a little differently now.<\/p>\n

Appealing the denial<\/h3>\n

Many applicants simply give up after receiving a notice of denial from their insurance company or agency. If your application is turned down, don\u2019t give up. It\u2019s also never a good idea to just rush and reapply for benefits. It\u2019s important to pursue the appeal process in the right way and obtain the necessary medical evidence to support your claim.<\/p>\n

The appeal process involves filing a request for reconsideration. You may add new or different information to support your case and help prove to the examiners that your condition is severe and disabling. Having an exceptional long-term disability lawyer makes all the difference during the appeal process.<\/p>\n

A lawyer will review the facts to prove your disability and help get the claim approved. Lawyers work with their clients to gather enough evidence to prove they meet the legal tests for disability under their policy wording. Should the case go to hearing, it will involve a medical expert who will advise the court regarding the claimant\u2019s injuries and limitations working. You may also bring lay witnesses to testify regarding your disability.<\/p>\n

What level of disability qualifies you for long-term disability benefits?<\/h3>\n

Generally, you may qualify for long term disability benefits if you are no longer able to perform all or substantially all of the elements of your current job. Although this may be entirely dependent on your long term disability policy, most policy terms indicate that to qualify for benefits, you will have to prove that you cannot do your job as well as other jobs that you may have been qualified to do based on your education, training, and experience before the condition. That\u2019s why it\u2019s important to review your long-term disability policy and understand the terms and conditions that apply to you in the event of a disability.<\/p>\n

What types of conditions qualify for long-term disability benefits?<\/h3>\n

Most insurance policies will cover for any type of injury or illness that prevents the policyholder from working. However, there are certain illnesses or injuries that may be excluded in your policy because they are covered in other areas such as in your work insurance policy. A long-term disability lawyer can advise on whether the type of disability you have qualifies for benefits.<\/p>\n

Did your claim include the necessary information?<\/h3>\n

Most disability claims are denied because they lack the correct or adequate information needed to prove the severity of the applicant\u2019s condition. It is really important to gather strong, convincing and relevant evidence prior to filing a claim. Evidence that shows the severity of your injuries as well as crucial details regarding your work history, functional impairments and limitations and the kind of job you were able to do, can go a long way in supporting your claim.<\/p>\n

There are different forms of evidence necessary for long-term disability claims:<\/h3>\n

Medical records: You\u2019ll need to include detailed medical records that show how\/when the condition was diagnosed, the treatment given as well as the long-term prognosis.<\/p>\n

Employment history: The examiner may review the work you\u2019ve done over the years. Provide a detailed summary of your work history and income and earning capacity.<\/p>\n

Information about your job: It\u2019s equally important to outline your job description which helps the examiners to understand the nature of your work and whether you\u2019ll be able to carry out similar duties with your condition. Include the tasks involved in your day-to-day work as provided by your supervisor or employer, education and training.<\/p>\n

If your claim was denied, it could be due to inadequate information. Speak to a disability lawyer who will help you determine the necessary information that lacked in your initial claim. A lawyer will evaluate your initial claim and determine its shortcomings then move forward to build a stronger appeal to increase the chances of being approved.<\/p>\n

Are you a victim of unfair treatment?<\/h3>\n

Some applicants are denied claims unfairly. Do not assume that the examiners were correct when denying your claim. There are cases of unfair treatment by insurance companies. Keep in mind that most insurance agencies are in the business of making money and hence may try to mitigate losses by denying as many claims as possible.<\/p>\n

Before giving your insurance adjuster any information, be aware that their top concern is to protect the insurance company\u2019s bottom line. Therefore, it shouldn\u2019t come as a surprise if the insurer employs deceptive or unfair tactics to minimize or deny your claim.<\/p>\n

Common incidences of unfair treatment involve:<\/h3>\n