The receipt of a denial letter does not represent a forced end to pursuit of an acceptance from the insurance company.
Problems that could push someone to apply for long-term disability insurance
• A former surgical patient has suffered the effects of anesthesia injuries
• A claimant or plaintiff has suffered burn injuries
• An accident victim has developed Chronic Traumatic Encephalopathy
• A victim has suffered loss of one or more limbs
• An accident caused disruption in the oxygen supply to a given victim, for a brief span of time
• Presence of injured nervous system
• Presence of injured spinal cord
• A traumatic brain injury (TBI)
Actions to be taken by those that have received a denial letter
The personal injury lawyer in Lincoln will carefully study the policy issued by the company that sold the purchased long term insurance policy. Contact the same company, and ask about the reason for the denial. Consider getting your lawyer to review the policy, after company has shared a reason for the denial
How to prepare for pursuit of the suggested actions?
Gather together the evidence that could be used to support submitted claims
Have a clear understanding of the timeline for the appeal process
Why is it necessary to have a understanding of the timeline for the appeal process?
A denial letter usually gives a deadline for issuance of a response. Yet it does not always indicate the starting point for the span of time that ends with the deadline. Lawyers have become familiar with the absence of that piece of information in a majority of denial letters.
For that reason, lawyers’ guidance includes help with obtaining specifics, regarding the starting point for that important span of time. Insurance companies keep it hidden for a reason. They want to confuse those that have applied for long-term protection.
Furthermore, the act of applying for long-term disability insurance belongs at a unique position on a timeline. It might be a first-time application, or it could be a request for renewal of existing coverage. The required evidence for acceptance depends on the timing for the application or request.
The first time application calls for proof of the applicant’s inability to perform the tasks at his/her assigned position in the workplace. The request for renewal demands proof of the applicant’s inability to carry out an assigned task safely and effectively in any workplace setting.
For instance, the applicant might be able to testify to times when he or she fell down suddenly, for no apparent reason. Obviously, no employer would want an employee that might fall down at any minute. Consequently, a provider of disability insurance would lack the ability to offer any good reason for denying a request for renewal of an existing policy.