If you have long-term disability insurance, you likely believe that you will be financially secure if you suffer from an injury or illness that prevents you from returning to your former job. Many insurance companies attempt to minimize their losses by denying claims for long-term disability benefits, however. Osterhout Berger Disability law is proud to help residents of Jacksonville, Florida with appealing denials of their valid claims so that they can secure the benefits that they should receive under their policies.
Appealing a Denial
If your company denies your claim, it will send you a letter notifying you of its decision. In your letter, you will find information about filing your appeal. Before filing, it is important for you to request a copy of your file so that you can see the information that the company relied upon to reach its denial decision. Insurance companies have internal appeals processes in place that you must go through before you will be able to file a lawsuit against them. It is important for you to meet all deadlines while also building a record that is favorable to your claim.
Do’s and Don’ts
The experienced attorneys at Osterhout Berger Disability Law want you to understand the things that you should and shouldn’t do when you are appealing the denial of your claim. It is important for you to pay attention to the deadlines for filing your appeal. If you miss them, you may be foreclosed from ever seeking benefits based on your disability again. You should also not blindly send off your appeal without first getting your file and reviewing the information in it. When you look at your file, you should note anything that might be missing and add to your record. If you exhaust all of your in-house appeals and later file a lawsuit, you will be limited to what is already contained in your file. You should thus make certain to stack it with information that is favorable to you.
You may want to supplement the information with objective reports from labs, x-rays, MRIs and other tests that support the presence of your condition. It is vitally important for you to continue seeing your doctor. Your insurance company is likely to claim that you are not disabled if you stop getting treatment for your disability. Your attorney at Osterhout Berger Disability Law will work with you to help you to get the benefits that you are entitled to receive.
Getting the Benefits you Deserve
When you receive your denial, it is important for you to meet with the experienced lawyers at Osterhout Berger Disability Law as soon as possible. Our attorneys can review the record of your claim in order to determine how it may be best supplemented. We will work to help you meet all of the required deadlines for your appeals process. We may ask that you help with your claim by doing certain things. For example, we might ask that you get additional medical testing and evaluations to help demonstrate the severity of your condition.
We may also ask for statements from your physician about how your disability poses functional limitations to your ability to complete the tasks of your job. Similarly, we may want you to ask your family, friends and former employer to write statements about their observations of how your disability limits you in your daily life. When you work with your attorney, it is important that you are honest with him or her as well as with your doctor. Our goal is to help you win your appeal without it ever having to go to court, and we will work to help you receive the outcome that you deserve. If it is necessary, your experienced lawyers at Osterhout Berger Disability Law will fight for you through court. Contact us today to schedule your consultation.