Are you experiencing difficulty and receiving denials when filing private disability insurance claims? Learn more about the steps that you can take.
If you fall victim to an illness or injury that renders you unable to work, you count on your disability insurance to provide financial assistance while you are unable to earn an income. While you are recovering, you may feel very vulnerable or compromised due to your inability to provide for your family and live your life as usual. Your disability insurance is an important component to a successful recovery, as it allows you to focus on returning to normal while your financial concerns are covered by your policy. However, it can be easy to feel stressed and disheartened when your claims are denied, adding to the pressure of the medical challenges you are already facing.
When your claims are denied, it may be time to work with a disability insurance lawyer who can help you to negotiate your case, assemble your appeal, and overcome any legal challenges along the way. While you are not required to hire legal counsel for your disability claims, teaming up with a qualified attorney can help to put you in a better position for receiving the coverage you deserve. With that said, the first step in any case is to be sure you understand why your claims were denied.
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The primary component to appealing your denials and fighting for the compensation that you are owed is developing an understanding of why your claims were denied in the first place. Denials can occur for a number of reasons, including insufficient evidence, incorrect forms, or failure to meet the policy’s terms and exclusions. While some denials may require more legwork to overcome than others, it is possible that you may only be denied for a slight error or a marginal mistake that can be fixed easily. You would be well-advised to carefully review your denial letter and any other associated documents to get a clear idea of exactly why your claims were denied. Your policy may contain important terms and coverage details that should also be reviewed to be sure you have a complete understanding of your case.
If you are still struggling to understand why your claims were denied, you may be able to get clearer answers by contacting your insurance company and inquiring directly about your denial. It is not uncommon that your denial could be due to a simple error or misunderstanding which can be resolved with just a phone call. Once you have learned why you were denied, you may be able to resolve any issues while you are still on the phone with the insurance company. Additionally, you can always reapply for benefits directly with the insurance company in the event that your denial was because of missing or incorrect information.
Call For A Free Consultation(352) 577-7746
You will want to act on your appeal quickly, as most insurers require an appeal to be filed in 180 days or less. You can start by gathering any medical records or other relevant documents to support your claims, including bills, test results, doctor’s notes, and prescriptions. These documents will help you to create a well-crafted appeal letter that includes all of the required documentation, denial arguments, and policy information. If you need to submit an appeal, working with a disability insurance lawyer in Gainesville, FL can help to ensure that your rights are protected while keeping your case compliant with state-specific laws.
No matter what phase of the process you find yourself in, enlisting a qualified private disability insurance attorney can greatly increase your chances of getting your claims approved. Your attorney will communicate with your insurance company on your behalf, helping you to negotiate favorable settlements and understand complex legal terminology. While legal representation is not required while you are navigating denials with your insurance company, working with a qualified legal professional like Attorney Claudeth Henry will put you in the best position to receive a favorable settlement for your claims. With over 20 years of relevant experience, Claudeth Henry is uniquely prepared to handle your case with care, conviction, and courtesy.
Do you need help receiving an approval for your disability insurance claims? Contact the team at CJ Henry Law Firm, PLLC for prompt, professional service.
If you are in need of a private disability insurance lawyer who can appeal a denial and negotiate a settlement with your insurance company on your behalf in Gainesville, FL, an initial consultation with the team at CJ Henry Law Firm, PLLC could be your next best step. Don’t allow yourself to be sold short on your disability compensation, contact us to get started today at (352) 577-7746.
Call For A Free Consultation(352) 577-7746