Why You Should Appeal Your Long-Term Disability Claim

Following the denial of your disability claim, you will generally be offered to appeal your insurer’s decision. For this appeal to have any chance of success, you will need to gather additional evidence for the severity of your condition in order to convince your insurance company that their decision was wrong and needs to be rethought.

However, past experience and statistics show that an appeal is seldom successful and oftentimes gains nothing but additional wasted time and even more months without payments. Because of this, Personal Injury Lawyers in Vaughan generally advice clients to speak to an experienced disability lawyer who can lay out all your options for moving forward.

The Reality of Filing An Appeal

What you will want to achieve is that your claim is moved up the chain to the higher ups as opposed to continuing to battle with the low-level claims manager who has already denied your claim. The higher ups will have experience with denied claims, but they are also the ones who will only get involved once you have taken legal action.

However, if you do still want to attempt to appeal, there are some things you will need to know. While you can stick to your previous rules of being honest without exaggeration, and ensuring your doctor’s support in the matter, you will now need to up your game. The best way to do this is by hiring a lawyer to help you gather information from your healthcare providers, including specialists, until you have all necessary details to create a full picture of the severity of your condition.

What To Avoid

1. Do Not Exaggerate: Since so many disability claims are denied, you may be tempted to exaggerate the severity of your symptoms. Don’t. The insurance adjuster will have experience with such matters and exaggeration could lead your claim to be stamped off as invalid.
2. Know Your Disability: While your doctor will be the one to supply the medical reports, it is also important for you yourself to fully understand your condition. When you file your claim, you need all the medical information to be complete and cohesive, otherwise your claim will not be taken seriously.
3. Hire A Lawyer quickly: We know how exhausted and frustrated you must be, and that filing a claim and researching lawyers is not what you want to focus your energy on, but it is important. The sooner you have a lawyer, the sooner the burden on your shoulders will lighten. In addition to help with your claim, a lawyer will also be able to point you toward other resources at your disposal.

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