Disability Insurance Claims
Aside from requiring additional medical information or claiming that the medical information does not support your disability, sometimes disability insurers rely upon more technical grounds to deny coverage including:
- Pre-existing conditions
- Not being in the care of a qualified physician
- Failing to abide by the recommendations of a treatment provider
- Failing to participate in a rehabilitation program required by the insurer
- Coverage issues
- Denials based upon Independent Medical Examinations, Transferable Skills Analysis or Functional Capacity Evaluations
- Ability to undertake some occupation other than your own
Insurance Coverage through a Group Policy
While you may have disability insurance coverage through a group policy with your employer or your own private disability policy, after an illness, accident or injury the disability insurer may refuse to pay any benefits or acknowledge the full extent of the coverage for which you have paid premiums. Disability insurance contracts can be complex legal documents that require an experienced lawyer’s assistance in interpreting and helping you in building a successful case against a disability insurer when you are disabled from returning to work. Often these cases require not only legal interpretation of your policy, but also interpretation of medical documents and frequently, the only option for pursuing payment of benefits involves initiating a law suit. Law suits can be complicated and having a lawyer experienced in advancing claims for disability benefits review your case can help you understand if there is merit to pursuing a legal claim.
At Tapper Cuddy LLP we have assisted numerous clients with claims that have involved all of the above grounds for termination or denial of benefits (and sometimes more than one ground in a single claim). If your claim for benefits has been denied by your insurer, consider contacting us for a free and confidential consultation to discuss how we may be able to assist.
Many of the cases we assist with involve claims relating to disabilities and diagnoses that are based on subjective reporting of symptoms and/or cannot be established easily through “objective” medical testing. They are disabilities that do not show up on lab tests or diagnostic imagery such as x-ray, MRI or CT scans. Many of our clients are in situations where their insurers have denied their claim for benefits on the basis of a “lack of objective medical evidence” supporting total disability.
If you have medical support for being unable to return to work, but your insurer has denied or terminated your claim for benefits on the basis of a “lack of objective medical evidence” consider contacting us for a free, confidential consultation. We will review your claim with you and let you know what options you might have for pursuing your benefits.