Many people applying for a disability insurance claim in New Jersey have their first application denied. At first glance, many people think that if they were denied, they don’t qualify. Instead of giving up, appealing your claim could help you get the funds you need.
Appealing a denied claim is essential
Many times, those applying for employer disability insurance think that they can do so on their own, convinced that it’s just filling out forms. That’s not necessarily true, however. Applying for disability is a complicated process that requires attention to detail. When you don’t follow every step of the process exactly, it can result in your claim being denied or delayed.
Some of the reasons your claim may be denied include:
- Missing or incomplete medical records
- No backing evidence from doctors
- Lack of non-medical evidence from experts who can assess how your condition affects your ability to work
Making sure you meet all deadlines is important too, as missing them can result in forfeiting your right to benefits. Filing your documentation early in the claims process is important as some judges will only consider evidence that was originally submitted to the insurance company involved in the claim.
Don’t become intimidated by the process
Many disability claim denials eventually turn into approvals with proper documentation and further medical testing to prove your claim. Keeping copies of all records sent to the insurer will also help strengthen the appeals process.
If you or a family member cannot work because of persistent pain and are confused about how to go about the appeals process for a denied employer disability insurance claim, finding an attorney with experience in filing disability claims can help. By making sure that you have the proper documentation and taking steps suggested by your attorney, you may eventually receive a claim approval.