Reason Why Your Long-Term Disability Claim Might Get Rejected!
Long-term disability claims cost more than accidental claims like personal injuries or car accidents. However, these claims are critical for a person to sustain a living as the injuries or disorders faced by the victim are more severe than in other cases. In a long-term disability claim, the policyholder cannot afford to lose their benefits, as they have heft expenses like prolonged medical treatments, loss of incomeworking ability, etc. Hence you must always ensure that you do not make any such mistake that can make you lose your long-term disability benefits.
One of the primary reasons people’s long-term disability benefits get rejected is they are unaware of the conditions that qualify for LTD. So you mustn’t make such a mistake; to avoid it, you can contact an experienced disability lawyer to guide you through your filing procedure.
Reasons Why Your Long-Term Disability Claim Might Get Rejected
1. According To The Insurance Company’s Policy, Your Medical Condition Or Injury Is Not Eligible For The LTD Claim.
A common mistake people make while signing a long-term disability insurance policy is they do not read it carefully. Ignoring the terms of any policy can make you live in delusion, like people thinking that any injury or illness is covered in their insurance policy. Hence they are often not worried about their woundsfile a claim blindly.
However, the insurance company has strict rules. It will ensure each aspect of your claim, including the severity of the accident, types of injuries procured by you,how long will the impact of any damage remain approximately. If all of these conditions qualify for a long-term disability, your claim will be accepted, or they will reject it immediately.
The insurance company will also check whether the person’s disability affects their work lifedaily activities. For example, suppose a worker struggles from acute injuries in their hands, restricting them from working in the industry. In that case, the worker is eligible for a long-term disability claim, but if it is a minor fracture that can heal with time, retaining the strength of their hands, their claim will be denied.
2. Medical Evidence Or Documents Are Insufficient.
Remember that your medical record holds excellent value in a long-term disability claim. So you must ensure that you have ample prescriptions, a doctor’s diagnosis in writing,other medical bills that prove your disabilitysuffering in the accident case. You might also need any X-rayMRI reports if you suffer from internal injuries.