Every year disability insurance companies deny disability claims. Applicants who have their claims denied must go through the tedious process of appealing the decision to get the benefits they need. Unfortunately, the appeal process can take a great deal of time to complete. If you are worried about your disability claim being denied, it’s important that you become informed about some of the reasons that claims are commonly denied. To help you with your disability claim, we explain 4 common reasons insurers use to deny disability claims.
#1: Insufficient Medical Evidence
In many cases, a disability claim is denied because the person failed to provide enough medical evidence to prove their disability. To increase your chances of obtaining a favorable outcome for your disability claim, you will need to provide as much medical evidence as you possibly can. Remember, when it comes to a disability claim, there is no such thing as having too much evidence.
#2: Incomplete Claim Forms
Making a disability claim often requires you to complete numerous forms that must be filled out properly. Because of this, it is very important that you make sure to dot every “I” and cross every “T” when filling out your claim.
#3: Not Complying with a Consultative Exam
Some insurers will request claimants attend a consultative exam that is performed by a third-party medical expert. Refusing or failing to show up for the exam can result in your disability claim being denied. Remember that it is in your best interest to attend a consultative exam request.
#4: Not Having Legal Representation
Many disability appeals that are denied would have likely been approved if the person had hired an attorney to handle the administrative appeal. An experienced ERISA lawyer can help you obtain the necessary medical evidence that is needed to prove your disability. An experienced ERISA lawyer can also make sure you have the evidence to support your disability, should you need to proceed to a lawsuit.