When you are struck with a serious medical-related problem, your safety net may be none other than your disability insurance benefits. So, if your claim ends up getting denied, you may feel as if your life is completely over. Luckily, if this has happened, don't lose your very last ounce of hope. Once you can figure out why you you've been denied, you can likely make the necessary adjustments and then resubmit your disability claim. Alternatively, depending on the circumstances, you may be eligible to appeal. Here are three of the most common reasons these types of claims are denied and what steps to take afterward:
1. Incomplete or Missing Paperwork
The acceptance or denial of disability benefits can almost literally make or break you when you have no other income coming in and the medical bills continue to pile up on the kitchen table. The first step in applying for benefits is the paperwork, and there's a lot of it. However, if any of it is missing or incomplete, your claim will be denied. So, take your time and make sure that you fill out every single blank that there is and that you sign your name for every single instance that requests your signature. Make sure that you write as legibly as possible, too, as sloppy writing could lead to your forms being denied if they can't read it. Make certain that you've included all documentation necessary, such as medical records, doctor notes, etc.
2. Failing to File by the Required Deadline
Just like with civil and criminal lawsuits, there is a statute of limitations that must be followed when filing for disability benefits. It all depends on the insurance plan, but there should be a certain time frame following your injury that you must file your claim within. Otherwise, your well of options may run dry.
3. Failing to Undergo Prescribed Treatment
Following an injury, your doctor is going to prescribe medication and possibly treatment. If your doctor believes you can benefit from chiropractic care, then you need to make sure you undergo that care. If it is later found out that you were sent for certain treatment and you failed to receive it, your claim may be denied.
What You Can Do Next
As a general rule, you will be able to submit an appeal if your disability claim is denied. However, depending on the rules of your policy, you may have to wait a certain period of time to do this or go through a specific appeals process with your employer. Your best bet is to consult with a professional attorney who specializes in disability claims. An attorney can examine every aspect of your case, help you understand what's going on, and guide you through the appeal. Keep in mind that although your claim may have been denied initially, it doesn't mean that you won't end up receiving your benefits.