Long term disability insurance is a type of coverage that provides financial support to individuals who are unable to work due to a disabling medical condition. Unfortunately, not everyone who applies for this insurance is approved. In some cases, applicants may be denied long term disability insurance benefits, leaving them without the support they need to make ends meet.
If you have been denied long term disability insurance, it is important to understand your rights and options. In this article, we’ll discuss the basics of long term disability insurance, common reasons for denial, and steps you can take if your claim has been denied.
What is Long Term Disability Insurance?
Long term disability insurance is a type of coverage that replaces a portion of your income if you are unable to work due to a qualifying medical condition. Unlike short term disability insurance, which typically covers a few weeks or months, long term disability insurance can provide benefits for years or even until you reach retirement age (depending on your policy).
Long term disability insurance is typically offered as an employee benefit, but can also be purchased individually. It is important to note that long term disability insurance policies vary widely, so it is essential to carefully read and understand the terms of your policy.
Reasons for Denied Claims
There are many reasons why a long term disability insurance claim may be denied. Some of the most common reasons include:
- Pre-existing conditions: If you have a medical condition that existed before you enrolled in your insurance policy, your claim may be denied.
- Lack of medical evidence: To be approved for long term disability insurance, you must provide sufficient medical evidence to support your claim. If your medical records do not clearly indicate that you are unable to work due to your condition, your claim may be denied.
- Failure to follow treatment: If you do not follow your doctor’s recommended treatment plan, your claim may be denied.
- Insufficient coverage: Depending on the terms of your policy, your claim may be denied if your condition is not covered under your long term disability insurance.
- Late filing: In some cases, there may be a time limit for filing a long term disability claim. If you miss this deadline, your claim may be denied.
What to Do if Your Claim is Denied
If your long term disability insurance claim has been denied, it is important to take action quickly. The following steps can help you understand your rights and options:
- Review your policy: Carefully read through your policy to understand why your claim was denied. Look for any exclusions or limitations that may apply.
- Gather evidence: If you believe your claim was wrongly denied, gather any evidence that supports your case. This may include medical records, witness statements, and other relevant documents.
- File an appeal: Most insurance policies offer an appeals process for denied claims. Follow the instructions provided by your insurer to file an appeal.
- Seek legal advice: If your appeal is denied or you require further assistance, consider speaking with a lawyer