What Should You Do If Your Amazon Long Term Disability Claim Is Denied?Herbert Hill2022-09-14T16:08:57-04:00
It may come as no surprise that the technology titan, Amazon, employs approximately 1% of workers in the United States. With a sprawling workforce growing daily, many employees eligible to receive Long Term Disability coverage have concerns about being denied an Amazon Long Term Disability claim.
Amazon’s corporate benefits state that employees are eligible for Short Term and Long Term Disability coverage at no additional cost if they work over 30 hours a week. Short Term and Long Term Disability coverage plans allow qualifying employees who become medically disabled to receive a partial income of 60% of their eligible salary as long as it is within certain limitations.
In the coming years, Amazon is projected to surpass Walmart as the largest private-sector employer in the nation. The company currently has over 1.1 million U.S. employees. With this significant corporate growth comes questions about what eligible employees should do if their Amazon Long Term Disability claim is denied.
Why Was Your Long Term Disability Claim Denied?
The first aspect to consider is why an Amazon Long Term Disability claim is denied. Long Term Disability policies provided by employers are governed by a federal law called ERISA (Employee Retirement Income Security Act). Employee-submitted disability applications are reviewed and evaluated by claims administrators.
Incomplete or missing medical records, physician statements, or documentation of regular medical treatment
Failure to meet the disability qualifications under a policy’s summary and precise definition
Missed deadlines when filing or appealing a claim
Video evidence displaying inconsistency in disability claim filed
And more
What Should You Do If Your Amazon Long Term Disability Claim Is Denied?
After gaining greater insight into your denied claim, the next step is to seek legal advice from a Long Term Disability attorney. A lawyer specializing in this realm of law can help guide you through the detailed and complicated process of rectifying your denied claim.
File An Appeal
After seeking representation, you can file an appeal for your Long Term Disability claim to be reviewed and re-evaluated for benefits if you have been denied benefits. It is not uncommon for insurance companies to allow one to two internal appeals. During the appeals process, you must consider several aspects to ensure an adequate review of your claim.
Gather Thorough Medical Evidence And Records
One key component of the appeals process is providing adequate medical evidence to support your claim. Many Long Term Disability claims are denied because medical records and treatment reports are lacking.
When filing an appeal, it is paramount that you provide an adequate amount of favorable and comprehensive documentation of your medical diagnosis and treatment before your case is reviewed. Under ERISA, additional medical evidence and documentation cannot be added to a case after the appeals procedure has been exhausted.
Schedule An Independent Medical Evaluation
During an appeal, insurance companies often ask for additional medical documentation to support your claim. This extended process can cause some physicians to become unwilling to corporate. If more medical documentation is needed, it may be in your best interest to contact a third-party physician to administer an independent medical evaluation to ensure no further damage is done to your appeal.
Partner With A Long Term Disability Lawyer Today
Having an experienced Long Term Disability attorney on your side can help you navigate the nuances of the appeals process and avoid another denial determination. If you partner with Herbert M. Hill, P.A., our attorneys will discuss all possible legal options with you so that your rights are protected and represented.
Our attorneys always represent individual workers, not insurance companies. Our firm treats every case we handle with personal care, and we are committed to giving our clients the best possible service. Contact our office today for more information on how we can help with your Amazon Long Term Disability claim.
