If you’ve been denied long-term or short-term disability benefits, the reason that the insurance company provided may be that you didn’t give them the proper medical evidence. They do not have enough information to determine if you are actually disabled, so they are going to deny your claim.
It is worth noting that the insurance company may not tell you that you haven’t provided “medical evidence” directly. They may simply say that your claim is being denied, but your best option to appeal this denial is to provide evidence to demonstrate that you are in fact disabled. Either way, it’s very important to know what types of medical evidence to submit, so what is it going to look like?
Every case is unique
Naturally, every injury or medical issue is going to be unique, and so will the evidence surrounding it. But common examples include:
- Copies of prescriptions or medication that you’re taking.
- Results from x-rays, CT scans or other tests.
- A discharge sheet from the hospital after you receive treatment.
- A care plan given to you by your doctor or an occupational therapist.
- Direct statements from therapists or medical professionals about your injury and how long they believe it will last.
- Copies of medical bills for treatments and services that you have received.
- Pictures or other images taken while you were given this medical treatment, demonstrating your injuries.
Medical evidence can be very helpful when establishing the extent of an injury and whether or not it means the person is disabled. It can also help to define how long that disability will last. If your claim has been denied and you’re considering an appeal, be sure that you know exactly what legal steps to take and what evidence to provide.
