Long-term disability insurance is available to many different men and women through their employer or other types of group affiliations. In addition, long-term disability insurance can be purchased as an individual. However, quite a few different men and women who try to retain their disability benefits often find out that their disability claims have been terminated or denied. These denials from insurance companies are normally based on the inability to believe that the disabled person’s disability is not bad enough to be able to receive the benefits. The termination might also be based on coverage technicalities. If your disability benefits have been terminated, you have the right to appeal that decision. However, in order to do this you will need to deal with various policy laws and rules that have to be followed. This is important in order to make sure that the termination is appealed correctly. It might be a good idea to get the help of a disability lawyer in order to make sure that everything runs smoothly.
Knowing the Policy
When you are trying to appeal a termination decision, it is important for you to review your policy. You have to know the appeal procedures that are associated with your carrier. The appeal procedures are set up internally by your carrier. Each policy is different. Because of this, you cannot rely on the information that you might have received from colleagues or friends. However, you can rely on the professional knowledge of a disability lawyer.
Notifying Your Insurance Carrier
If you read your policy, you know that you have to follow your policy’s rules of notifying your insurance carrier about your decision to appeal the termination of your disability benefits. Each company has a deadline for providing this notice and it is important for you to make sure that you meet that deadline. In fact, men and women who fail to meet this deadline will not be able to go through with the appeal process.
Preparing Your Documents
Once you have notified your carrier about your appeal, you will be able to start preparing all of your medical records and any other types of information that can help support your appeal. Your disability lawyer will be able to tell you the information that you need to have ready. The information that you prepare should follow the appeal requirements that are listed in your policy.
Your disability lawyer will help you use every appeal option and procedure that is available to you through your policy. This will be done until you receive an official notice concerning the termination of your policy. You will not be able to get the help that you need from the court until you have followed every policy appeal procedure.