Due to the absence of any obvious obstacle on the path taken to appeal a denial of long-term benefits, the logical response seems to be that of appealing the decision. Yet a policy holder that has received a denial letter ought to remain alert to the possible ruts in what may seem like a clear path.
The first “rut” to check for:
Do you know the identity of the men and women charged with making a decision on the submitted appeal? Those would be the same people that ordered the sending of the denial letter. In other words, it does not make much sense to direct your argument to them.
The second in a series of “ruts”:
Can you state the reason for the denial? Most likely your answer is “no.” Typically, the insurer fails to mention the reason that the person who received the denial letter fails to qualify for long term disability benefits. How can you form an argument in support of your request for such benefits, if you do not understand why they have been denied?
The problem created by the timeframe:
You may entertain questions, regarding the amount of time in which you have to file for an appeal. Does the statute of limitations start on the day when you received the letter or on the date when the letter was placed in the mail? It becomes difficult to take any action, when you have doubts about the timeframe.
The question linked to your doctor’s report?
Do you know exactly what is in that report? No doubt you must again say “no.” An insurance company usually bases any denial of long-term benefits, at least partially, on the information that has been recorded by the doctor. Here again, you lack the ability to make a strong argument, in response to the insurer’s interpretation of what the physician has reported.
Suppose you could overcome all of those problems; would that ensure your success with seeking an appeal?
You might enjoy success, but you really need to seek the help of a lawyer. Lawyers are familiar with the difficulties that can become linked to appealing the insurer’s refusal to grant your long-term benefits. Experienced personal injury lawyer in Fredericton have encountered and have dealt with such difficulties in the past.
An attorney can study a medical report and locate those facts that might have caused your insurance company to refuse a continued delivery of any benefit that you had been receiving. In addition, a lawyer’s experience has given that professional a familiarity with the timeframe used by the insurer. Armed with such insight and information, an attorney can help you to win that desired appeal.