Last Updated on February 11, 2024 by Ali Hamza
You probably know how the insurance process works when you insure your vehicle or home. You purchase your insurance based on your needs. You pay for your premium plans, and when an accident occurs, you expect to receive compensation from the insurance company. But unfortunately, some insurers do not respond to your claims as you expect them to be. It often occurs when you purchase a long-term disability insurance plan. You should contact The Law Office of Nancy L. Cavey if you think your insurance company is delaying or denying your long-term disability claim.
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Reasons why your long term disability claim can be denied
There can be several reasons why your long-term disability claim is denied, which are mentioned below.
Not communicating with your insurer.
Many claimants think that there is no need to contact the insurer once they have filed their long-term disability claim. Even if you provide every document and the claim benefits get approved, your insurance company will communicate with you to obtain further medical records and updated information. The insurance company must ascertain whether you meet the tests for a disability specified under your long-term disability claim.
The insurance company will interview you over call, want youtube to participate in a rehabilitation program, or access you medically. It is very common for an insurance company to contact the claimants on multiple occasions.
Missing doctor’s statement
A doctor’s statements are one of the essential pieces of evidence to prove a disability claim. The statement can either be written or an opinion from a doctor explaining your disability and how it affects your daily life. Many doctors also find preparing the statements to be annoying and burdensome. If you want your doctor to take some time for you to prepare a report of your disability, you should pay them for the time they are investing in it. If your doctor denies preparing the statement, you can visit another doctor.
Refusal to attend IME (Independent Medical Examination)
The various long-term disability insurance company wants you to get accessed by a health care professional of their choice. The insurance company has the right/policy to send their claimant to a doctor of their choosing to diagnose psychiatric or medical evaluation.
The IME doctor may not provide the claimant with any type of treatment. However, their primary role is to give their advice to the insurance company about your disability by performing some evaluation and diagnostics.