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Receiving a denial for long-term disability benefits can be frustrating and overwhelming, especially when you depend on those benefits for financial security. The good news is that a denial does not necessarily mean the end of your claim. There are clear steps to take in order to appeal the decision and improve your chances of success. Enlisting the help of a long term disability lawyer Mississauga can provide valuable guidance through the appeals process and increase your likelihood of securing the benefits you deserve.
Review the denial letter:
The first step in appealing a long-term disability denial is to carefully review the denial letter from your insurance company. The letter will typically include reasons for the denial, which can range from insufficient medical evidence to missed deadlines. Understanding these reasons will allow you to identify what needs to be addressed in your appeal.
Gather additional medical evidence:
In many cases, denials occur because the insurance company believes there is not enough evidence to support your disability claim. To strengthen your appeal, gather additional medical records, tests, and opinions from healthcare providers who can support your case. This evidence should clearly demonstrate how your condition prevents you from working and affects your ability to perform daily tasks. The more thorough and detailed the evidence, the better.
File your appeal on time:
Most insurance policies have a strict deadline for filing an appeal, typically ranging from 30 to 180 days. Missing this deadline can result in the denial becoming final, so it’s key to submit your appeal on time. A long-term disability lawyer can help ensure that all necessary documents are submitted before the deadline.
Follow the insurance company appeal process:
Each insurance company has its own process for handling appeals, which may involve submitting specific forms, evidence, or documents. Carefully follow the instructions provided by the insurance company to avoid any delays or issues with your appeal. A long-term disability lawyer will be familiar with these processes and can ensure that all necessary steps are taken.
Seek a legal review of your appeal:
Before submitting your appeal, consider having a long-term disability lawyer review your case. An experienced lawyer can assess whether you have included all relevant evidence, check for errors, and suggest improvements to strengthen your case. Their expertise can significantly increase the chances of a successful appeal.
