Receiving a denial letter from a long-term disability insurance provider doesn’t mean the end. Receiving a denial letter can be devastating, confusing and frustrating.
You are not alone.
Reasons for Denial Letters from Insurance Companies
Many people with legitimate claims receive denial letters from their insurance company. Here are a few common ones:
- Not having enough medical information, even though your family doctor tells you cannot return to work;
- They believe you can work in some capacity;
- They tell you that you have residual work capacity;
- Your disability or illness is still unknown or undiagnosed;
- You missed some treatments or rehabilitation appointments;
- You are not able to comply with a gradual return to work program;
- There was a clerical error from your doctor;
- Their doctor has looked at the medicals documents and determined that you are not disabled enough;
- There are technicalities with the terms of the policy that you can’t surmount.
How To Claim Your Insurance Benefits
For most of the reasons above and many others, you can still obtain your benefits or pursue the value of your benefits via the legal system.
A lawyer can help you navigate this difficult situation by looking at the facts and advise you on the information that is missing to guide you through the process.
The insurance company wants you to be discouraged and give in, but going back to work when you are not ready can be dangerous for your health and the safety of others.
Vancouver Long-Term Disability Benefits Lawyers at Warnett Hallen LLP
If you are having difficulties claiming your long-term disability benefits, contact us today and we will help you solve all your insurance and personal claim issues.