What do you expect after a group disability insurance denial?
If you have group disability insurance, you know that filing a claim means something has gone wrong. You have either been injured or become ill as a direct result of your employment.
If you find yourself in this position, it is nice to know that you can file a claim for benefits. This gives you the money you need to keep your head above water until you can return to work.
The biggest concern when filing a claim is a denial. This means the insurance company doesn’t want to pay you benefits. Instead, they have found a reason to deny the claim, meaning you receive nothing for the time being.
If you receive a group disability insurance denial, here is what you should expect: a detailed appeal process. This is when you take the opportunity to show the insurance company why you qualify for benefits.
It doesn’t matter if the company forces you to file an appeal or if this is required by federal law, you should know what to expect. This includes the finer details of the appeal process, how long it will take to receive a response, and of course, what you will do in the meantime to ensure that you have money to make ends meet.
You hope you never face a group disability insurance denial, but if you do it isn’t the end of the world. It means more work, but in the end you hope it eventually leads to an approval. Most people understand the importance of continuing to fight for the benefits they deserve.
Source: FindLaw, “Disability Insurers and the Claim Process,” accessed March. 30, 2015