Sage Datko  |  January 15, 2020

Category: Insurance

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long term disability insurance application and stethoscopeDisability insurance covers a percentage of a person’s income if they become injured or ill and are unable to work for a period of time. Many private insurance companies offer this insurance; however, many private insurance companies may deny initial disability insurance claims, requiring consumers to go through an appeals process.

How Do I Appeal Denied Financial Disability?

Lincoln Financial Disability is a type of disability insurance offered by Lincoln Financial Group, a private insurance company. Consumers whose long term disability insurance claims have been denied by a private insurance company like Lincoln Financial may be confused about what to do next.

Receiving a long term disability denial letter is only the first step in the process of appealing a disability denial and pursuing compensation for your claim. There are a variety of reasons companies turn down long term disability claims, and many insurance companies turn down a large percentage of first-time disability applicants, even when their claims appear to qualify for benefits.

Appealing the decision in your case may lead to an eventual distribution of benefits. Disability claimants are generally required to exhaust all of their appeal options before being allowed to file a lawsuit pursuing benefits. Additionally, if your long term disability insurance claim was denied by a private insurance company, you may be able to hire an experienced disability claims attorney to help you through the appeals process.

Disability Appeals Process

The first step in appealing a disability application denial from Lincoln Financial Disability, Unum or another insurer is to study the denial letter. This letter should detail the reasons why your long term disability insurance application was denied, and may inform you of any additional information that is necessary for you to submit with your appeal. The letter may also explain how to begin the process of filing your appeal, and list any important dates and deadlines.

It is very important to ensure that you submit your appeal by the deadline if you want to pursue disability benefits.

You may also want to obtain a copy of your insurance policy. If your insurance is provided through your employer, the human resources department at your job may be able to provide a copy of this policy to you. You may also be able to obtain a copy of your policy directly from your employer.

It is also important to submit documentation along with your appeal supporting your claims. Under laws regarding disability benefits, you will not be able to submit additional documentation to support your claims in a lawsuit after you have exhausted your appeals. Stacking the record with evidence supporting your disability claims during the appeals process may also be helpful later on if you decide to file a lawsuit.

What Kinds of Evidence Can Help Me in My Appeal?

There are several types of evidence that may be helpful to include in your appeal. This documentation may include medical records, medical testing results, and past and current prescriptions. Letters or testimony from doctors and family members supporting your claims may also be helpful. Lastly, your own testimony regarding your limitations may aid you in your case.

If your application for disability benefits from Lincoln Financial Disability or another insurer was denied, you may be able to hire an attorney to help you through the appeals process. A qualified attorney may make the appeals process easier, and may make it more likely for you to receive future benefits. You can also file a bad faith insurance claim.

Get Help With Your Long Term Disability Insurance Appeal

If an insurance company denied your long-term disability insurance claim within the past 180 days, a knowledgeable insurance attorney can help you appeal.

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