Charlotte Long-Term Disability Attorney
Long-Term Disability Benefits
Serious accidents and/or injuries can happen at any time. But what happens if the insurance company denies your legitimate long-term disability claim?
Look at your policy. Are you covered for “own occupation” or “any occupation?” Own-occupation coverage means that you are unable to carry out the duties of your current occupation. Any occupation is when you are incapable of performing duties of any job. This is a narrower type of policy that essentially means you are totally disabled. Most insurance policies transition from own occupation to any occupation after 24 months.
If you are having trouble recovering long-term disability benefits, we invite you to speak to an experienced Charlotte long-term disability lawyer at our firm. Since 1983, Charles G. Monnett III & Associates has been helping injured workers throughout North Carolina seek the fair benefits and compensation they are owed.
Reasons Your Claim May Have Been Denied
A typical reason the insurance company may deny your claim is because you don’t have enough medical evidence to support the claim. Medical evidence—such as regular medical visits, missing medical records, and a doctor’s statement—are important for your claim to be processed efficiently and to your satisfaction.
One of the most important pieces of medical evidence you can have is a detailed doctor’s statement, so make sure you obtain your doctor’s opinion on work-related limitations separately from the insurance forms provided.
Did You Visit the Doctor Regularly?
The insurance company will usually deny your claim if you don’t regularly see your doctor. Long-term injuries require the supervision of your doctor for a long period of time. Don’t stop seeing your doctor, even if you can’t afford it or if you are feeling a little better. You’re sure to get a denial letter in the mail.
The Insurance Company May Be Lacking Your Medical Records
The insurance company may also not have all of your medical records. Be diligent—keep track of what records have been ordered and received by the insurance company. This is always a good practice when making and claim, long-term disability or otherwise.
Evidence to Discredit Injury
Another reason your claim may be denied is because the insurance company has video evidence that you are not as injured as you say you are. Insurance companies would much rather save money by avoiding paying out for long-term disability, and if hiring a private investigator would help prevent that, they will do it. Social media sites are additional places the insurance company will investigate to look for reasons to deny your claim. A sound bit of advice: act in accordance with your doctor’s restrictions.
Contact Us Today If Your Claim Was Denied
You must act fast with your denial appeal because ERISA (The Employee Retirement Income Security Act of 1974) only gives you 180 days to do so. If you believe your long-term disability claim was denied unfairly, our Charlotte long-term disability attorneys can help. We have over 37 years of experience with insurance law, and we want to help you get a fair resolution to your long-term disability claim.
Charles was always available and informative on this process.- Susan Z.
Without their help, I would probably have lost everything that I owned.- Rick M.
Lauren Newton exceeded all of my expectations and she genuinely cares about her clients.- Jade B.
The experience I had was exactly what I wanted.- Jacob G.
I was very satisfied.- Raven B.
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