It is not uncommon for long-term disability insurance claims to be denied. If you have applied for benefits and your claim was denied by the insurance company, the first step is to get the insurance company's basis for the denial in writing. Usually, the basis for denial can be found in the denial letter. Often, these denials can be succesfully challenged by the insured's lawyer.
Long-term disability insurance is generally offered through an employer and provides benefits for an employee who meets the definition of disability in the policy. These policies can also be purchased on an individual basis. The benefits are meant to replace a portion of the lost income due to the disability. The payments under the insurance policy can continue for many years. For this reason, insurance companies closely scrutinize these claims.
Denials of long-term disability insurance can be caused by many factors. But the most common reason for denial claimed by insurance companies is that the insured does not meet the definintion of "disabled" under the policy. The insured will neet to prove by way of medical evidence, medical experts, vocational experts, and other witnesses that he or she is disabled as per the insurance policy's definition of "disabled". Of course, there are a host of other reasons why an insurance claim can be denied. An experienced long term disability insurance claims attorney can help you gather the necessary evidence to prove your disability under the insurance policy.
You can reach Miami Long Term Disability Insurance Claims Attorney J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].