When someone has become disabled and is no longer able to work, they have the right to file a claim against their disability insurance policy provided by their employer or through private coverage. Unfortunately, many eligible claims are denied, leaving claimants to feel as if they are being taken advantage of. When someone is denied their disability payout, there are some steps they can take to secure their rightful benefits.

Common Reasons for Disability

There are many health conditions and injuries that can lead to partial and permanent disability. The following offers insight into some of the common conditions that can lead to disability claims. Those who are having difficulty filing a disability claim should visit LongTermDisabilityLawyer.com.

• Arthritis is a common condition and can affect people of all ages. When someone is suffering from arthritis, their joints become stiff and painful and they can sometimes become debilitated.
• Cancer is another common cause of disability claims. Some types of cancers can cause disability and even lead to death.
• Heart disease and stroke are also common among disability claims. Individuals may be able to live with heart disease for years before it prevents them from being able to live a normal life and hold down a job.
• Many people think of physical conditions when they consider disability, but mental health conditions can also lead to disability claims

What to Do If Denied Your Claim

Filing a disability claim can sometimes be an intimidating experience. When you have paid your premiums and become disabled, it is your right to seek a payout. Unfortunately, insurance companies are not always fair in their assessment of claims and eligible individuals are sometimes denied.

There are a few steps you can take if your disability claim has been denied. Taking these steps will help to protect your rights and ensure you get the payout you deserve.

1. If your long-term disability insurance claim is denied, it is essential you do not give up. Most every insurance policy offers one or two administrative appeals and it is critical you take advantage of these.

2. It is essential you fully read your denial letter and understand why you were denied. Once you have received your denial letter, you are given 60 days to file an appeal.

3. Make sure your record is full of as much evidence as possible. Should you need to appeal on the federal level, having plenty of evidence to support your claim of disability is crucial.

4. Many individuals find it beneficial to seek legal help for the appeal’s process. The earlier an attorney is hired, the better the chances of gathering essential evidence that can be used to prove you are eligible for your long-term disability payout.

At all times, you must work to protect your rights. You should always remember that the insurance adjuster is not on your side and is working to protect the bottom line of their company.

Conclusion

You have a right to file a claim for long-term disability. If denied, you have the right to appeal. It is your responsibility to protect your rights and best interests. Hiring an attorney is sometimes needed when the claim is being denied unfairly and the individual is finding it difficult to appeal.