When your Viera Long Term Disability claim has been denied, the attorneys at Herbert M. Hill, P.A. can help protect your rights to Long Term Disability benefits. In this blog, we will discuss the appeals process in more detail.
If you have been injured or are sick and unable to continue working, Long Term Disability benefits are provided to replace the loss of income. Most employers offer a Long Term Disability insurance policy to their employees, and you are also able to purchase a private policy. Unfortunately, it is not unusual for disability insurance companies to attempt to avoid awarding benefits to claimants, and claims can be denied for a number of reasons. If your Viera Long Term Disability claim was denied, we can assist you throughout the appeals process.
Contact us today to discuss your case, and keep reading to learn more about what to expect from Long Term Disability appeals.
Why Was My Claim Denied?
Some possible reasons that your claim was denied include:
- Having a preexisting condition
- Insufficient proof of disability
- Not meeting the policy’s definition of disabled
- Missing medical records and documentation
- And more
The good news is that all insurance companies will allow for at least one internal appeal to be filed, and some insurance companies will allow for two appeals.
The Appeals Process
When your Viera Long Term Disability claim is denied, you will receive a letter in the mail from your insurance company. It is important to read this letter carefully so that you can understand why your claim was denied and how your insurance company’s internal appeals process works.
If your claim was denied because it was missing documentation or evidence of disability or illness, you will need to provide any supporting documents you can. Supporting documents may include medical records, statements from medical professionals or your employer, and more.
Your appeal and all supporting documents will need to be submitted to your insurance company before the date that they have specified in your denial letter. Once your appeal is submitted, your case will be reviewed by an examiner who was not involved in the initial review of your claim.
If the appeal does not end in your favor, the experienced Viera Long Term Disability attorneys at Herbert M. Hill, P.A. can assist you in taking legal action against your insurer.
Filing A Lawsuit
Once your internal appeal options have been exhausted, the next step towards your Long Term Disability benefits is a lawsuit against the insurance company. Under ERISA, no additional evidence can be added to your case after the internal appeal step, which is why it is critical that you include as much favorable documentation as possible before your case goes to court.
Viera Long Term Disability Appeal: How We Can Help
The attorneys at Herbert M. Hill, P.A. specialize in Short Term and Long Term Disability claim representation. When your claim has been denied, we will use all of the tools at our disposal to pursue your benefits. Contact us today to discuss your case and the next steps we can take.