I applied for long-term disability benefits, but my insurer has denied my entitlement or cut off my benefits? What do I do?
Review the Denial Letter: Carefully read the denial letter to understand the reasons for the denial. This will help you understand the basis for the denial and whether it makes sense to appeal the decision or commence a lawsuit.
Check Policy Details: It is a good idea to have a copy of your long-term disability policy handy, so you understand why the insurer has denied your claim. It is also a good idea to have a copy of it to give to a lawyer for review. Many insurers make policies available online.
Request Your Claim File: Ask for a complete copy of your claim file from the insurance company. This file will include all the documents and evidence the insurer used to make their decision.
Consult a Disability Lawyer: It is often beneficial to consult with a lawyer who specializes in long-term disability claims before taking any steps to appeal the decision on your own with the insurer. They can help you navigate the complex appeals process and ensure you meet all deadlines.
File an Appeal: You or your lawyer may decide to submit a comprehensive appeal to the insurance company. Often times, these appeals are denied. Thus, it is always a good idea to speak to a personal injury lawyer before deciding on an appeal.
Prepare for Further Action: If your appeal is denied by your insurer, you may need to consider filing a lawsuit.
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Disclaimer: The explanations and information provided here are for general informational purposes only and are not intended to be legal advice. Always consult with a qualified lawyer or legal professional for advice specific to your situation.