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What to Do if Your Disability Claim Is Denied
When you filed your claim for disability benefits, you did so because you needed the benefits your policy was supposed to provide while you are unable to work. If your claim has been wrongfully denied, speak with a disability insurance lawyer at Haffner Law who can represent you through the appeals process.
Filing an Appeal
When we receive an initial letter of denial of benefits from a disability insurance provider, we aren’t surprised. Insurance companies notoriously deny deserving claimants the benefits they are entitled to.
We begin by filing an appeal with the insurance company to obtain coverage. The denial should have listed the insurer’s reason for denying your disability benefits. We will examine the insurance company’s reasoning and move forward from there.
An Answer to Objections
One common reason insurers deny coverage is because they object to your disability. They claim that you’re not disabled “enough” to render you unable to work and meet eligibility requirements for disability benefits.
We can answer this objection by providing medical records and statements from your physician on the extent of your illness or injury and its impact on your ability to work.
You also could have been denied coverage if the insurer considers your affliction a pre-existing condition that was not disclosed when you enrolled in your insurance policy. This objection can also be rectified with a written statement from your medical team.
Going to Court
After we’ve addressed any questions regarding the validity of your disability and provided additional documentation, the insurance company will either move into negotiations or continue to deny your claim, in which case we will send a demand letter for your benefits.
If the insurer fails to offer reasonable coverage as outlined in your policy, we are prepared to file a claim on your behalf, which will likely encourage the insurer to issue your benefits to avoid being forced to pay you even more in court.
Contact a California Disability Lawyer
If you were denied in your claim for disability insurance benefits and need assistance filing your appeal, contact a California disability insurance lawyer at Haffner Law. We have the experience you need to get your claim approved quickly so you are able to support yourself while you’re unable to work.
To schedule your no-cost consultation, simply fill out the contact form below or give us a call at 1-844-HAFFNER (423-3637).