How to understand why your disability claim was denied
When you purchase an individual disability insurance policy, you hope you will never have to use it. Even so, you realize that something bad could happen at some point. In this case, it is important to do whatever it takes to obtain the benefits you deserve.
If you receive a claim denial, you may be surprised to find that you are now faced with an even more challenging situation. You paid your premium as you were required. You reviewed your policy to ensure that you are eligible for benefits. Even so, the company decided to deny your claim for one reason or another.
It is never easy to understand, but keep this in mind: Your insurance company is not your friend. These companies are big businesses that want nothing more than to make money. In many cases, this means denying claims.
There are many reasons for a claim denial, ranging from incomplete paperwork to a lack of medical documentation. Even if your original claim is turned down, you should not walk away. There are steps you can take to appeal the decision, thus improving your chance of receiving benefits in the near future.
If you want to better understand why your disability claim was denied, don’t hesitate to review your policy and ask any questions that come to the forefront. You should also learn more about disability insurance, including why claims are often denied when they should have been approved. Our website is full of this type of information. You can learn more on our “Denied Individual Disability Claims” webpage.