Disability insurance companies routinely deny and terminate long term disability claims. Claimants who have their benefits denied or terminated must go through the arduous process of appealing the decision in an effort to receive the disability benefits they need and deserve. Unfortunately, the appeal process can take a great deal of time and effort to complete.
If you are worried about your disability claim being denied or terminated, it is important that you become informed about some of the reasons that claims are commonly denied and terminated. To help you with your disability claim, we explain 4 common reasons insurers use to deny or terminate 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 and keeping disability claim for benefits 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 the forms, being honest and accurate as possible.
#3: Not Complying with a Consultative Exam
Some insurers will require claimants to attend an independent exam that is performed by a third-party medical professional. Refusing or failing to show up for the exam may result in your disability claim being denied or terminated. Remember that it is in your best interest to attend any and all independent exam requests.
#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 submit the necessary evidence needed to prove your disability. An experienced ERISA lawyer can also make sure you have the evidence to support your disability included in the administrative record, should you need to file suit for your disability benefits.