Taking on insurance companies is no simple task
Do you have group long-term disability insurance? If so, it is good to know you can make a claim if you are ever disabled and will be out of work for an extended period of time. This may be just what you need to stay afloat financially until you can return to your job.
Unfortunately, some insurance companies are not easy to work with. Instead of approving claims and making the first disability payment on time, they look for every reason possible to avoid this.
There are many reasons why it can be a challenge to deal with an insurance company who has denied a long-term disability claim.
First and foremost, every carrier is different in terms of how they manage their business, including the way they write disability policies. Subsequently, it is not always easy for the person who was denied benefits to understand what the company is doing.
Another challenge is the appeal process itself. If your claim is denied, regardless of the reason, you will want to file an appeal. This gives you the opportunity to show the company why you should receive benefits.
All in all, insurance companies can and will deny group long-term disability insurance claims. They don’t do this all of the time, but it does come to the forefront on a regular basis. For somebody who is disabled and unable to work, this is a hassle.
For more information on group long-term disability insurance, including how to take on an insurance company after a denial, you can browse our website.