Arizona Disability Insurance Claim Denial Attorneys
Phoenix Own Occupation Disability Insurance Lawyers
Though private disability insurance may be costly, in many cases it is necessary for individuals to have in order to ensure continued income if an accident or incident occurs that may leave you disabled and unable to work. However, the insurers who provide these policies often bury minor details in the fine print that not everyone reads. This can result in individuals signing up for policies they do not fully understand and may lead to claim denials.
At Surrano Law Offices in Phoenix, Arizona, we are a firm that is dedicated to handling all types of disability insurance claim denial issues for clients across the state. Our firm is nationally recognized and respected as one of the leaders in bad faith matters. We constantly work to uphold this reputation and aggressively pursue cases on behalf of our disabled clients who deserve their benefits.
If your Arizona disability claim has been denied, please contact Surrano Law Offices for a consultation on your legal rights and options.
Appealing Your Denial
You are within your rights to file an appeal after a denial of your disability claim. The process of an appeal depends on the type of disability insurance.
- Employer disability insurance
According to the ERISA, your initial claim denial must have a detailed explanation of the reasons for the denial. These details will help when preparing your appeal. Deadlines are especially important to observe. If you are within your deadlines, you may begin to provide additional documents for your appeal. You may find a few tips helpful.
- Add any missing or incomplete medical records.
- Consider more testing. One of the most common reasons for disability claim denial is lack of evidence. Further testing could help bolster your case.
- Submit written opinions from your doctors.
- Add non-medical evidence, such as letters for colleagues that describe how your condition has affected your ability to work.
- Verify you received all necessary documents to your insurer.
You may submit another lawsuit to the court if the insurance company denies your claim a second time.
- Social security disability insurance
Even social security disability insurance sometimes also meet with denial, and you still have the right to appeal. The four levels of social security disability appeals are as follows.
- Reconsideration by the state agency that initially denied your claim
- Hearing before an administrative law judge
- Review by the Appeals Council
- Review in federal court
For a social security denial appeal, you must submit it in writing within 60 days of your denial letter. After that, the steps for employee disability insurance are the same for social security disability insurance. You have a right to representation when seeking SSDI benefits, assured by the Social Security Administration.
- Private disability insurance
Private disability insurance claim denials are unique because some insurance companies require you to make several claims before appealing, while others let you appeal after the initial claim. An attorney will know the difference in filing private disability insurance claims.
Though it may seem that insurance companies are available to help you, they are focused on their profits. Minimizing claim payments allows them to increase profits. We handle all types of disability insurance denials, including those involving:
- Own-occupation disability insurance: Permanent or long-term disability insurance coverage for individuals from their own specific profession or pursuit
- Any-occupation disability insurance: Permanent or long-term disability from performing any work at all, typically due to a catastrophic injury, major illness or chronic disabling condition
Reasons for Appeals Denial
Out of the millions of individuals who apply for disability, only 30% of initial requests gain approval. Reasons for denial can vary, but some causes are very common.
- Lack of hard medical evidence
The first thing you need when filing your disability claim is medical evidence. Medical evidence is the only thing that can prove you have a disability. Specifically, your medical evidence must show that it interfered with your ability to perform at work.
- Previous denials
A new appeal does not mean a clean slate. Submitting a new claim is not always better than an appeal. The people who review your claim will be able to see your previous denials and take this into consideration when making each new decision. The typical recommendation is to go through the appeals claim instead of filing a new claim after each denial.
- Failure to follow treatment
Your doctor will prescribe a specific treatment based on your disability. Your disability claim will meet denial if you fail to complete this treatment. This is because without following the treatment, the examiner will not be able to tell how and if your condition truly prevents you from working. You may bring up a valid claim if you are not following your treatment for a specific reason.
- Failure to cooperate
The individuals handling your disability claim may or may not be the most helpful, but it is important to cooperate with them as best as you can. Failing to provide documentation or show up to medical exams almost guarantees the denial of your claim.
Contact our Arizona Disability Insurance Claim Denial Lawyers Today
Please contact our law firm to discuss your claim denial. Our attorneys handle cases throughout the state, in Phoenix, Tucson, Scottsdale, Yuma and all other communities.