If you are one of the millions of people who attempted to apply for a disability insurance claim recently, then chances are you may have been denied. Less than half of disability claims are accepted each year. So why are they denied you might ask.
While the reasons for denial for each individual case can differ, there are five basic explanations behind a case being turned down.
If you’re filing a claim with your insurance company, it’s important to know why you may be denied and what you can do to avoid it.
Previously Denied Claims
A claim will often be denied when the person assigned to evaluating the claim sees previously denied claims on your record.
If your initial claim is denied, you should hire a lawyer and fight for your case rather than filing a new claim.
Lack Of Evidence
Numerous claims are turned down every year because of an absence of compelling proof. In order for your claim to be accepted, you should be able to demonstrate that you’re unable to work because of a condition which has rendered you handicapped.
You’ll need thorough evidence and medical records which prove your handicap has made it impossible for you to work effectively.
For instance, you might see a specialist regularly for back pain. However, in the event that your doctor hasn’t provided paperwork confirming your injuries affect your capacity to work, your case will likely be denied.
Your doctor’s assessment of your ability to work in your condition is what will be most imperative in the final decision of your case. Therefore, it’s critical that you talk to your doctor and get a written declaration about how your condition is negatively impacting your ability to work.
It’s important to remember that a doctors note pardoning you from work isn’t enough for your claim to be accepted. You’ll need medical proof documenting your condition from x-rays to any tests which have been performed. It’s incredibly important that you stay organized and keep a record of everything in a designated place where you know you won’t lose it.
Not Following Treatment
Neglecting to follow through with your doctors recommended treatment will very likely result in the insurance company denying your claim. In their eyes, if you were indeed in agony and unable to work you would make every effort possible to be able to improve your condition. They may assume your condition must not be that bad if you haven’t followed through with your treatment.
On the off chance that you do have a legitimate excuse behind not following your doctor’s orders you should provide proof. You’ll need to explain in detail about why your explanation shouldn’t work against their decision on your claim.