If you become ill and aren’t able to work, you could qualify for disability insurance to cover bills and other household expenses. The insurance will cover a portion of your salary if you are ill or injured, but there are cases when your insurance provider will deny your claim for a long-term disability claim. However, you can contest the decision by filing an appeal. If you live in Colorado, here are some essential things to know about long-term disability claim denials.
Reasons for denial
Long-term disability claim denials often occur in the early stages. You’ll need to make sure your application is as detailed as possible since it will be thoroughly assessed during the qualification process. If you don’t provide enough medical evidence connected to your illness or injury, your claim could be denied. If you’ve had a rejection in the past, your insurance provider may investigate this, which can lead to another denial.
Additional factors that lead to denial
Your income could also prevent or impact long-term disability claim denials. If you earn more than a specific amount your insurance provider may not accept your claim. The amount used for the cut-off will vary depending on the provider.
Be sure that you cooperate with your insurance company as well by attending all your scheduled exams and medical evaluations. All necessary documents must be submitted to the insurance provider as well. Stay in contact with your agent and keep them abreast of every step in your recovery process. Since there are several reasons a claim can be denied, speak with an attorney who specializes in disability claims to increase your chances of getting the compensation you deserve.