If the onset of a medical condition has rendered you unable to work, then you may need to rely upon your long-term disability insurance coverage, which is typically provided by your employer.
However, regardless of how clean cut your case may seem, these long-term disability claims are often denied, leaving disabled workers on rocky financial footing while they try to secure the medical care that they need to heal and hopefully one day return to work.
You need to be aware of these denial justifications so that you know what you need to do to head them off early in the claims process.
Top reasons why long-term disability claims are denied
Insurance companies have several justifications they can rely upon when denying these claims. This includes:
- Your condition doesn’t meet the policy’s definition of “disability.”
- You’ve submitted inadequate medical evidence to show the nature and extent of your condition.
- You failed to provide a statement from your doctor detailing your disability and how it prevents you from working.
- Your disabling condition is specifically excluded by the insurance policy in question.
- The results of an independent medical examination contradict what you’ve alleged in your claim.
- The insurance company, through surveillance, catches you acting in a way that doesn’t align with your claimed condition.
- You miss key filing deadlines.
Competently build your long-term disability claim
As you can see, you have a lot to watch out for as you navigate your long-term disability case. So, be diligent and thorough as you navigate your claim. You really have to cross every “t” and dot every “i” if you want to increase your chances of recovering the financial support that you need.
That’s why if you have any lingering questions about how to navigate your claim, be sure to seek out any additional guidance that may be necessary.
