You suffered a disability through injury, but you knew that you had a group insurance policy. This was provided by your employer, and it gave you some level of security. If you were disabled, the insurance policy was supposed to provide you with disability benefits.
However, after your disability, those benefits were denied. Why would the insurance company do this, and what can you do about it?
They don’t believe you’re disabled
This is one reason why it’s so important to get medical documentation of your disability. There are cases where the insurance company decides that they don’t believe you’re disabled even though you think that you are, and so they refuse to pay. But the testimony of a medical professional showing that you are, in fact, disabled can help to sway this case.
They don’t have enough information
There are also cases where the insurance company simply needs more information to make a decision. You may get denied on technical grounds as they ask for more paperwork. This can also be rectified, but many people miss out on the benefits they deserve because they think they have no other options.
They’re engaging in bad-faith practices
Unfortunately, there’s always the chance that the insurance company is simply defrauding you out of the money that they owe you. Insurance companies do look for ways to reduce their costs by lowering or denying claims in bad faith. If they’ve done this unfairly, however, you could claim that they’ve acted fraudulently.
When you find yourself in a situation like this, it’s quite important to know about all of your legal options.