Long Term Injuries
Long-Term Disability Serious accidents or injuries can happen at any time. But what happens if the insurance company denies your legitimate long-term disability claim?
Denied Insurance Claims
Look at your policy. Are you covered for “own occupation” or “any occupation”? “Own occupation” coverage means that you are unable to carry out the duties of your current occupation. “Any occupation” is when you are incapable of performing duties of any job. This is a more narrow type of policy that essentially means you are totally disabled. Most insurance policies transition from “own occupation” to “any occupation” after 24 months.
Reasons Your Claim May Have Been Denied
Typical reasons the insurance companies deny your claim is because you don’t have enough medical evidence to support the claim. Medical evidence such as regular medical visits, missing medical records, and a doctor’s statement are important for your claim to be processed efficiently and to your satisfaction. One of the most important pieces of medical evidence you can have is a detailed doctor’s statement. So make sure you obtain your doctor’s opinion on work-related limitations separately from the insurance forms provided.
Did Not Visit Doctor Regularly
The insurance company will usually deny your claim if you don’t regularly see your doctor. Long-term injuries require the supervision of your doctor for a long period of time. Don’t stop seeing your doctor, even if you can’t afford it or you may be feeling a little better. You’re sure to get a denial letter in the mail.
Lacking Medical Records
The insurance company may also not have all of your medical records. Be diligent—keep track of what records have been ordered and received by the insurance company. This is always a good practice when making and claim, long-term disability or otherwise.
Evidence To Discredit Injury
Another reason for denial would be because the insurance company has video evidence that you are not as injured as you say you are. Insurance companies would much rather save paying out for long-term disability, and if hiring a private investigator would help prevent that, they will do it. Social media sites are additional places the insurance company will investigate to look for reasons to deny your claim. A sound bit of advice: act in accordance with your doctor’s restrictions.
Contact Us Today If Your Claim Was Denied
You must act fast with your denial appeal because ERISA (The Employee Retirement Income Security Act of 1974) only gives you 180 days to do so. If you believe your long-term disability claim was denied unfairly, we have over 30 years experience with insurance law. We want to help you get a fair resolution to your long-term disability claim. Please schedule a free consultation, by calling (704) 376-1911 or toll-free at (800) 977-3077, or contact us online.
Three Ways We Can Help You Today
- Help you understand your rights as they apply to your unique case
- Help you to know which medical treatments may be needed
- Help take calls and handle the paper work from insurance companies
I was involved in an accident with an uninsured driver, so I contacted the attorney that I had used in a previous case. I explained to them the situation and they advised me that there was no way that I would be able to recover anything so they would not take my case. I then contacted Charles Monnett & Associates and they accepted my case and I am happy to say that their expert staff was able to settle my case with the insurance companies for $128,000.
In October 2010, my pregnant wife and I were in a horrendous accident in Charlotte, NC, caused by a drunk driver. We were struck head on by the driver traveling at nearly 100mph and sustained many life threatening injuries. We lost our unborn baby and were fighting to stay alive ourselves. This is not a time we could even think about an attorney, but fortunately, people we care about found Mr. Monnett! This incredible man visited us in the hospital at our request and made everything so easy for us during such a trying time. There's not another person on earth with whom I would trust such an important endeavor. His experience and knowledge overshadowed the defense by leaps and bounds. Mr. Monnett remained steadfast and confident throughout the process, while ultimately prevailing, it was amazing. I offer my highest recommendation to this great man and his top notch firm.
Charles Monnett was very helpful and lead me through the whole legality of my case. Charles was always available and informative on this process.