Was your Orlando Long Term Disability claim denied? Many factors affect an insurance disability claim denial. However, this does not mean there are no further steps you can take.
From understanding the possible reasons why your claim was denied to the appeals process requirements, here is the best course of action after receiving a denial.
Understand Why Your Long Term Disability Benefits Claim Was Denied
The first step after your Orlando Long Term Disability claim is denied is to understand the reason(s) why. A common mistake claimants make when filing for disability insurance benefits is missing the deadlines to submit documents. Many claimants believe that communication with the insurance company is no longer required when they initially file their claim. It is critical to understand that insurance companies have the right to continue reviewing your claim, including requiring further documentation.
Another possibility why disability insurance benefits claims are denied is the lack of evidence to support proof of your claim. Even if you want to file a lawsuit, the court cannot look at additional evidence and will only review what was submitted while your claim and/or appeals were open. It is also possible that you can harm your claim for benefits by not submitting relevant evidence that supports the nature of your conditions. Lastly, your Long Term Disability insurance claim may have been denied due to insurance company denial tactics.
If your Short Term Disability benefits are ending soon, insurance companies will sometimes avoid the transfer into Long Term Disability benefits. Insurance companies tend to get in the way by denying your new claim to pressure you back to work by delaying appeals in hopes the claim will be overlooked. At Herbert M. Hill, P.A., we will face the insurance company on your behalf. We understand the tactics they use and will apply our experience to your case.
File an Appeal
After your claim for benefits has been denied, you can file an appeal with your insurance company. It is imperative to get the correct evidence you need when submitting your administrative appeal. Our firm routinely handles appeals after an Orlando Long Term Disability claim is denied and can offer legal advice unique to your case.
As COVID-19 impacts claim processing, you can prevent longer waiting periods by coming prepared for your appeal. There is also a limit on the number of times you can file an appeal, and you do not want to exhaust the attempts before your case is closed. Make sure not to miss deadlines when submitting documents for your appeal.
Contact a Long Term Disability Insurance Attorney
Are you still unsure why your Orlando Long Term Disability claim was denied? Our firm is glad to answer any questions and concerns you may have. We offer free case evaluations without the obligation to hire us. But if you do, you can expect our attorneys to provide you with diligent and vigorous representation to pursue the benefits you deserve. Contact us for guidance on the best plan moving forward.