Making a Disability Claim

Jul 24, 2017 by

 

When you suddenly sustain a disability, your entire world can crash. You may not be able to work and earn money effectively. You may have to undergo expensive medical treatments and rehabilitation processes. Most of all, you may not enjoy life to its fullest anymore.

The only good thing that comes in a disability is getting disability benefits. But you know that insurance companies are not charities. They protect their money, so they may be very strict in approving claims. However, this may lead to legitimate claims being denied.

Legitimacy

But what makes a claim legitimate? First, a claimant must be eligible to receive disability benefits. For example, in order to be eligible for disability coverage for an insurance that is part of your employment benefit package, you should be employed in the company for a specific number of months or years. According to the website of the Hankey Law Office, P.C., there are also eligibility factors for SSDI, or Social Security Disability Insurance.

Second, and perhaps more important on many cases, a claimant must truly be disabled to enjoy the benefits.

Denial

As said earlier, insurance companies may be very strict, as they do not want to unnecessarily cover claims. But it is important to point out that not all denied claims are the result of insurance companies’ bad faith. The claims may have been denied for legitimate reasons.

The strongest reason is the legitimacy of your disability. You should have adequate medical proof that you are disabled, because if you don’t, you may have your claim denied.

Appeal

As a policyholder, you have many rights. You have the rights to thoroughly understand the insurance policy, get coverage when you truly deserve it, and most of all, you have the rights to question the validity of denied claims.

Making a disability appeal is not the easiest thing to do, but it is worth it. You just have to study the rejection letter, determine what part of the claim has triggered the rejection, and make that part better to render your case stronger.

 

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