Denied Disability Insurance Claim?
Don’t let an unfair disability claim denial stop you from getting what you deserve.
If you’ve been injured or otherwise become unable to work as a result, you may be counting on long-term disability benefits to help pay for your costs of ongoing medical treatment, lost wages, and the like. Even when you need short-term benefits, a denied claim can mean you suddenly find yourself burdened with the costs for medical care and the loss of income.
Unfortunately, if your disability claim has been denied, you may be stuck taking on an enormous financial burden.
The reality is that many initial claims for long-term disability are initially denied—so if this is something you’re experiencing, know that you’re not alone. The key is determining the cause for your claim denial and seeking legal advice on what action to take to protect your rights. Attorney Doug Terry has more than two decades of experience in helping people just like you appeal disability claim denials and handle other bad faith insurance issues.
Schedule your free consultation with Doug today to discuss your denied disability insurance claim. Call our office at (405) 463-6362. There are no fees unless we win your case.
When You Face Denial of a Disability Insurance Claim
Fighting an insurer’s denial of your claim is an exhausting and sometimes technical process. You don’t have to go through it alone. Doug can help you get the compensation for damages you deserve.
Some insurance companies will be very adamant in their denial of your claim, despite your best efforts and the opinions of your treating doctors. This is where it’s so important to make sure you have the right legal representation on your side. Working with an experienced disability claims attorney can help you receive the guidance and representation you need during this trying time.
What Reasons Do Insurance Companies Use to Deny Disability Insurance Claims?
One reason is failure to provide adequate documentation, so be sure to gather your records.
First of all, understand that if your long-term disability claim was denied, the insurance company has a legal obligation to inform you of the reason for your denial in writing. You should have received a denial letter in the mail that outlines, in detail, the issue(s) with your claim. One of the most common reasons for an initial denial of a disability insurance claim is that there was not enough documentation to support your claim. It is possible that you forgot to provide some important information from your doctor, for example. The good news is that claims denied due to a lack of documentation are often an “easy fix.”
Another reason is a dispute about why the policyholder claims to be disabled.
Insurance companies often dispute whether a policyholder is sufficiently impaired to be unable to work. Insurance companies often dispute this by hiring doctors or other medical professionals of their choosing to give opinions that the policy is not disabled under the language of the insurance policy. Some insurance companies will go so far as to hire private investigators to secretly watch the policyholder and videotape them if they see them doing an activity the insurance company can argue shows the policyholder is not really disabled.
Understanding the specific reason for your denial is the first step toward having the matter resolved and getting the compensation you may deserve.
How Doug Terry Can Help with Your Denied Disability Claim
You can rely on Doug’s experience to guide you, step by step, through an appeal and to help you understand your options.
By consulting with an attorney who specializes in fighting insurance companies on behalf of his clients, you can better understand the circumstances surrounding your claim denial, as well as what your next best steps may be. Many times a disability insurance company will have its own lawyers involved in denying your claim, so it is often in your best interests to have your own lawyer looking out for you.
Ultimately, having a disability insurance attorney is the best way to move forward when you have a long-term disability claim that has been unfairly denied.
Doug Terry has been fighting for the rights of hard-working people just like you since 1993 and is ready to help you take on your long-term disability appeal.
Begin with a free case consultation to find out what your next steps should be, then let Doug Terry put his experience to work for you. Give our office a call at (405) 463-6362 today to find out more about how we can protect your rights and to schedule your appointment for a free case evaluation. You’ll pay no fees unless we win your case.
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