If you are in New Jersey and need disability insurance, you will have to file a claim. It’s common to have your claim denied on the first attempt, but that doesn’t mean it’s the end and that you will never be approved for benefits. You will need to know how to appeal your denial of liability insurance.
Why are disability insurance claims denied?
When you want to obtain private long-term disability insurance benefits, a denial doesn’t mean you don’t have a legitimate reason to need benefits or that you won’t receive them at all. Under one-third of all initial claims for disability are approved.
Usually, when a claim is denied, it’s for some type of error or omission, so more information is needed before your claim can be approved. If you are trying to get your disability benefits from your employer, it’s through the Employee Retirement Income Act, or ERISA. Sometimes, a claim is denied due to a conflict of interest.
How can you appeal a denial of a disability insurance claim?
You may want to appeal a denial of your private long-term disability insurance. By law, you are permitted to appeal when your claim is initially denied. If you have private disability insurance that you bought, you need to be very careful when reviewing the documents included in your policy. In some cases, you can appeal an initial claim denial, but other times, you may have to file more paperwork to strengthen your claim before the insurance company will consider approving it.
The best thing you can do if your situation does not fall under the former category may be to seek professional help preparing your documentation. You may need guidance on how you should proceed with your appeal. A professional with experience in disability and insurance law may be able to review your insurance policy and help you decide how to move ahead.
Although it might be stressful when your claim for disability benefits is initially denied, it doesn’t have to end there. With a little more diligence and patience, you can appeal in an effort to get the benefits you need.