If you’ve recently filed for short-term disability benefits, you know the stress and anxiety that comes with the process. Disability claims are complicated, and unfortunately, many are initially denied. If your short-term disability claim gets denied, it’s crucial to understand your options and take appropriate action to increase your chances of getting the benefits you deserve. Consulting a short-term disability lawyer can significantly improve your chances of success, especially if you’re unsure about the next steps.

In this blog, we’ll guide you through what to do if your claim is denied and how a short-term disability lawyer can help you navigate the appeals process.

Understand Why Your Claim Was Denied

The first step after receiving a denial is to understand the reason behind it. Short-term disability insurance policies have specific criteria that must be met in order for a claim to be approved. Some common reasons for denial include:

• Insufficient medical evidence: Your insurance company may have felt that your medical documentation didn’t adequately support your claim.

• Policy exclusions: Some policies do not cover certain types of illnesses or injuries, such as pre-existing conditions or specific medical diagnoses.

• Failure to meet the policy’s definition of disability: Your insurer might argue that you do not meet the definition of “disabled” under the terms of the policy.

• Late filing or missed deadlines: Failing to file your claim on time or missing required paperwork deadlines can result in a denial.

• Discrepancies in your claim: If the information you provided on your application is inconsistent with your medical records or other documentation, this could trigger a denial.

Carefully review the denial letter to understand the specific reason your claim was rejected. If the explanation is unclear, don’t hesitate to contact your insurer for further clarification.

Review Your Policy

Once you’ve received the denial letter, the next step is to review your short-term disability policy. The policy should outline the coverage terms, eligibility requirements, and the process for appealing a denied claim. Pay close attention to:

• Exclusions and limitations: Check for any clauses that may have contributed to your denial.

• Definition of disability: Ensure that your condition meets the criteria defined by the policy.

• Claim filing deadlines: If you missed a filing deadline or didn’t submit the required documentation on time, your policy will outline the steps for appealing a late claim.

• Appeals process: Understand the steps and timelines required to appeal your claim. Most policies provide a formal process for challenging a denial, and knowing this can help you prepare for the next steps.

Understanding the terms of your policy will help you build a more effective case if you decide to appeal.

Appeal the Denial

The next step is to appeal the denial, which is often the most viable option. Short-term disability insurers are legally required to allow for an appeal, and this process is an opportunity to provide additional evidence and argue your case.

Collect Supporting Evidence

One of the key reasons claims are denied is insufficient medical documentation. To strengthen your case, gather as much evidence as possible to prove the severity of your condition. This could include:

• Updated medical records: Obtain any new or additional medical records that provide further evidence of your condition.

• Doctor’s notes: A letter from your treating physician explaining your condition and how it prevents you from working can be critical.

• Test results and diagnostic reports: Any medical tests or diagnostic reports that support your diagnosis and disability claim.

• Workplace accommodations: If your disability prevents you from performing the tasks of your job, provide documentation from your employer confirming this.

Having thorough and up-to-date evidence can strengthen your appeal and increase your chances of success.

Submit Your Appeal on Time

Most policies provide a specific time frame for submitting an appeal, often between 30 and 180 days from the denial notice. Ensure that you meet this deadline. Failing to do so could forfeit your right to appeal, and your claim may be permanently denied.

Your short-term disability lawyer can help ensure that all necessary documents and evidence are submitted correctly and within the specified timeframe.

Seek Help from a Short-Term Disability Lawyer

Navigating the appeals process can be complex and overwhelming, especially if you’re already dealing with a disability. This is where a short-term disability lawyer can be invaluable. A lawyer specializing in disability claims can:

• Review your denial letter and policy: They will help you understand the reason for the denial and identify whether the insurer made any errors.

• Help gather and present evidence: Lawyers are skilled at organizing medical records, doctor’s notes, and other documentation to build a strong case.

• Ensure the appeal is timely and complete: Disability lawyers are experienced in meeting strict deadlines and making sure your appeal is filed properly.

• Negotiate with the insurance company: A lawyer can communicate with your insurer on your behalf, ensuring that your rights are protected throughout the process.

• Represent you in court: If your appeal is unsuccessful and your case goes to court, having a lawyer who is experienced in disability law can significantly improve your chances of success.

Hiring a short-term disability lawyer can greatly increase your chances of overturning a denial and securing the benefits you are entitled to.

Know When to Pursue Legal Action

If your appeal is denied and the insurance company still refuses to pay your benefits, it may be time to consider legal action. A short-term disability lawyer can file a lawsuit against your insurer for bad faith practices or wrongful denial of your benefits.

Before you proceed with legal action, your lawyer will help assess the viability of your case and determine whether going to court is the best course of action. Litigation can be lengthy and expensive, so it’s essential to weigh the pros and cons before deciding.

Conclusion

Having your short-term disability claim denied can be a frustrating and disheartening experience, but it doesn’t have to be the end of the road. By understanding the reason for the denial, reviewing your policy, gathering additional evidence, and working with a short-term disability lawyer, you can improve your chances of winning your appeal and obtaining the benefits you deserve.

Don’t face the appeals process alone—consider consulting a short-term disability lawyer to guide you through each step and help you fight for the benefits you’re entitled to. With the right legal support, you can increase your chances of a successful appeal and protect your financial stability during a difficult time.