Individual disability appeal: A challenging process
In your mind, you think you should receive individual disability benefits shortly after filing. On the other side of things, your insurer may have a different idea. They are not interested in paying your benefits and can decide to deny your claim for a number of reasons.
There is a lot that goes into overcoming a denied claim. Since no two situations are the same, the action you take may not be the same as another person in a similar position.
Above all else, your particular policy will come into question. You need to know the finer details of the policy, including how it is written and why a claim can be denied.
The appeal process is more confusing than it sounds. This starts with providing the insurance company with a written response to the denial. If you want to succeed, you need to address a variety of points, many of which are associated with medical and legal issues.
Although you have the right to appeal your denial, this is not the only option. It is typically the best, however, because it allows you to move forward in a fast and efficient manner.
If for any reason your appeal is denied, you will want to consider other options, such as filing a lawsuit.
Our attorneys understand the challenges associated with filing an individual disability insurance appeal. Finding yourself in this position is never easy, since you are already dealing with an injury or illness. If you need help, if you want to learn more, you can visit our “Individual Disability Appeals” webpage.