Your Rights as a Long-term Disability Insurance Claimant
Insurance is a business after all, so it is not surprising that insurance companies will do everything they can to minimize the money they put out and maximize the money they put in. So, they may deny claims, and there are instances where even legitimate claims are denied. This can be a moral and legal issue, but that is for another article.
According to the website of Fields Disability, it is possible to make an appeal, so the insurance company can reconsider its decision of denying your claim. But before making an appeal, it is important to know your rights as a person who is claiming for long-term disability coverage.
Right to get a copy of your insurance policy
You and your employer or insurance company have agreed upon on an insurance policy, indicating the terms and conditions of the insurance, such as what constitute as a disability and what doesn’t. It is important to get a copy of this insurance policy so you can know what aspects of your claim you can improve so your claim will be more viable.
Right to check your medical records
Of course, one of the most important things in a long-term disability insurance claim is evidence that you are actually disabled. You have the right to take a look at your medical records, such as X-rays, MRI’s, reports regarding emergencies, medications, surgeries, and other documents that may bolster your claim. This is because there is a chance that the medical professional and insurance company has missed a significant part of your medical condition, resulting into the denial of your claim.
Right to check your file in the insurance company
If your claim has been denied, you can go to the insurance company and request for a copy of your claim document and their denial letter, so you can better pinpoint the parts where the denial may have risen from. This way, you can specifically target these parts for improvement to better your chances of being granted coverage.
Right to appeal the denial of your claim
This is arguably the most important right you have as a long-term disability insurance claimant. Whether your claim is weak or strong, you have the right to appeal to the insurance company to reconsider their decision to deny your claim. Yes, this can actually change things, especially if you exercise your other rights and improve your claim.