The Reasons Your Claim Was DeniedMany people file for private individual disability insurance every year, and a large portion of these individuals will have their disability claim denied. Insurance companies use denials as a way to save money in their LTD claim departments since the values of these claims may be into the millions of dollars by the time the benefit period is over. Many claimants do not realize the high rate of claims which are denied and the flimsy reasons the insurance company uses to deny them. Here is a short list of reasons that this may occur:
1. Claim forms are improperly completed.
2. The examining doctor left out details of medical examination, or did not understand how to fully complete forms.
3. Missed deadlines for submitting forms or supporting documentation.
4. Lack of evidence that job duties can be performed, such as having an “any occupation” definition of job duties in insurance policy.
5. Surveillance uncovers evidence which is skewed to show that the individual is disabled.
6. Insurance policy clause that limits length of benefits or excludes specific condition.
There are many, many other reasons insurance companies try and use to deny perfectly legitimate private individual disability insurance policies, but these are some of the more common ones. This can happen to any individual, make sure you seek out disability insurance help before filing your disability claim. This help is not hard to find. There are several sources of disability claim help available on the internet and your local agent can also help walk you through the process. During a time when you are already not feeling great you should not complete this process alone, as you are likely to make mistakes on the complicated forms. Having an expert help will ensure you receive the benefits you deserve.