Don’t be confused by a disability insurance denial
Just because you make a disability insurance claim does not mean the insurance company will pay out the appropriate benefits without delay. There are times when insurers fight against this for one reason or another.
If you receive a disability insurance claim denial, you have two options. You can agree with the decision and go on with your life. Your other option is to file an appeal and fight for the benefits that you deserve.
It doesn’t matter if you are dealing with group or individual disability insurance, you have the right to file an appeal. This does not guarantee that the decision will be overturned, but it puts you in position to learn more.
Every insurance company has a process in place for appealing a denial. You need to follow this process, from start to finish, to ensure that you are putting yourself in the best position to eventually receive benefits.
Note: With private disability insurance, some companies request that you provide additional filing and documentation before submitting an appeal. Again, you need to understand what is required of you and then follow through accordingly.
A disability insurance denial can be frustrating, especially if you feel you should receive benefits without any hassle. Unfortunately, this is all part of the industry.
If you are confused by a denial, don’t hesitate to reach out to the insurance company for clarification. This will help you get a grip on your situation. You paid for disability insurance, and for this reason you have the right to receive benefits in California should you qualify to collect.
Source: FindLaw, “How to Appeal a Disability Insurance Claim Denial,” accessed Feb. 16, 2016