Your employer-provided long-term disability application is what an insurer is going to use to determine whether or not you qualify for disability. It is therefore important to understand a few common reasons why they get denied in order to protect your claim.
- Lack of Evidence
A major part of the application includes proving that you are too disabled to work, and many claims are denied due to a lack of evidence. Your employer’s opinion, for example, may be that you are too ill for work, but insurers often require that you have received regular medical treatment including objective tests like x-rays and MRIs. A great way to present your condition is to have your treating physician provide a report detailing your medical limitations as they relate to your work. Insurers will have a form for this task, but the additional letter from your doctor is vital since these forms are designed to help the insurer, not you.
- Contradictory Evidence
While going through the application process, it is very important to adhere to any instructions you’ve been given by your doctor. Insurers will often hire private investigators to surveil and film claimants, and if you are filmed doing something that the insurer perceives to prove you are not disabled, such as something your doctor advised against, your claim may be denied. Insurers will also look on social media sites to find justification for a denial.
- Lack of Representation
Although insurers do not require (and likely do not prefer) that you have an attorney, it’s always a good idea when dealing with ERISA law. ERISA (Employee Retirement Income Security Act) law is complex and broad, governing every part of your employee benefits. Contact the Martin Law Group to find your ERISA lawyer in Tuscaloosa.