A lot of disability claims are denied initially. There are varying reasons a claim can be denied; however, claimants can appeal the decision of their insurance provider to get another chance at getting the disability benefits they deserve.
Sadly, insurance providers are prepared for appeals. Many claimants with legitimate illnesses or injuries get denied again at the appeals level. As a result, they cannot find a way to get a replacement for their lost income on which their loved ones depend. If your disability claim was denied and want to file an appeal, consult a disability claims attorney to know the steps you must take. An experienced attorney has the resources to beat insurers at their games and help you obtain a positive outcome for your case. Read on how an attorney can improve your chances of winning your appeal:
They Review Communication with the Insurer
Insurance providers will coerce you into doing something that can jeopardize your appeal. As an insurance claims adjuster talks to you about your claim, they may twist your words. Also, this adjuster may request you to provide them with lots of paperwork, expecting you to commit an error or overlook something that can invalidate your eligibility for disability benefits. Your attorney can review all communication you had with the adjuster to ensure you preserve your eligibility for maximum compensation throughout the appeals process.
They Compare your Coverage with the Denial Letter
Insurers are never consistent in the injuries and illnesses their plans cover. They can deny you from getting benefits if you suffer from such conditions. Your lawyer will review your plan to find inconsistent language between the plan and the denial letter. They can use any consistencies as evidence once they file your appeal.
They Handle Evidence and Paperwork
To successfully appeal the denial of your disability claim, you must prove that your disabling illness or injury makes you unable to work. This means submitting as much evidence as possible. Your attorney will collect the necessary evidence to improve your chances of obtaining a favorable result. This evidence includes medical records, vocational expert statements, witness statements, prescription medication records, doctor’s notes, and others.
They File Your Appeal on Time
Usually, insurers provide denied claimants with short timeframes to appeal their decision. A lot of them provide only 60 days to file an appeal. By contacting an attorney as early as possible, they can take action immediately and start preparing your appeal. As your lawyer works diligently, they will not miss details and deadlines.