Suffering with a disability that renders you unable to work is tough. When you’ve been denied a disability claim, that can make the stress seem more insurmountable. That being said, you do have options even after your claim has been denied. Just because your claim is denied, doesn’t mean you don’t have any farther right to benefits.
1) Find out why
If you decide to dispute the claim, you’ll need to find out the reasons why and you need the insurance agency to put this in writing. Remember, to qualify for long term disability, this means you must not be able to perform your job.
Also, some conditions, such as chronic pain or psychological issues, are not as easy to prove, which makes it difficult when filing disability claims. Other reasons may include not completing tasks required by the insurance company, failing to provide documentation regarding your injury, or you are seeking disability for a pre-existing condition.
2) Filing an appeal and preparing for litigation
If you decide to file an appeal regarding the denial of your disability claim, you want to hire personal injury lawyer who has a history of successful appeals. Ideally, meet with a lawyer who has experience going up against the larger insurance agencies – and has been successful in fighting these appeals. Plus, many lawyers will represent you on a no-win, no-fee basis. So, if you are concerned about the cost, this should reassure you about pursuing your appeal or lawsuit.
Once you learn the reasons why your claim was denied, you and your lawyer can begin gathering the necessary information to appeal or even prepare to file a lawsuit against the insurance company. When submitting an appeal, provide any necessary information regarding your medical condition. This is when it helps to hire a lawyer, as they will be able to point out any mistakes or missing information in your initial disability claim. Your lawyer will be able to tell you what information you need to provide the insurance company in order for your appeal to be approved.
Plus, once you start working with a lawyer regarding appealing your claim or preparing for the lawsuit, limit the conversations with the insurance company as they will be used against you at a later point. Lerners Lawyers are experienced personal injury lawyers in the Scarborough area and throughout the GTA. We can help you fight your disability claim denial.