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Why insurance companies deny truck driver disability claims

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As a long haul truck driver, you know one thing to be true: You will spend quite a bit of time behind the wheel. Even though you may be familiar with life on the road, it doesn't mean you will be able to maintain a high level of health at all times.

Many long haul truckers suffer a disabling condition, such as a back or neck problem. In this case, a person with individual or group disability insurance may want to make a claim. This will allow them to collect compensation until they are able to get back on the road.

Unfortunately, insurance companies have a long history of denying truck driver disability claims. There are many reasons for this, including:

-- A lack of medical records to support the disability claim.

-- A policy that only pays if you are in an accident, not injured on the job.

-- The belief that you were injured in the past but are now able to work your job as outlined by your company.

-- An investigation that shows you may not be disabled.

If your disability claim is denied for any reason, you only have 180 days to file an appeal with your insurance company. Once this time passes, you will likely be stuck on the outside looking in.

A disability claim denial can be frustrating on many levels, including the fact that your financial situation will be turned upside down. Our website is full of information pertaining to denied claims. Furthermore, our "Truck Driver Disability Claims" webpage has specific information for truckers.

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