Filing a disability insurance claim can be stressful, especially when your financial security depends on the outcome. Unfortunately, many claims are denied by insurance companies, even when policyholders have a legitimate claim. Understanding the most common reasons for denial can help you avoid mistakes and strengthen your case.
If you’re in Fort Lauderdale or the surrounding areas, the experienced team at Martin J. Sperry, P.A. can guide you through the process, protect your rights, and help ensure your claim is properly supported.
1. Insufficient Medical Evidence
Insurance companies often deny claims if the medical documentation does not clearly show that your condition prevents you from working.
How to avoid this:
- Provide detailed medical records, test results, and physician notes.
- Make sure your doctors describe how your condition impacts your ability to perform work-related tasks.
- Work with a Fort Lauderdale disability attorney who can help compile and present evidence effectively.
2. Policy Misunderstandings
Disability policies can be complicated, and denial often occurs because of misinterpretation of the policy language, waiting periods, or benefit limits.
How to avoid this:
- Review your policy carefully and understand what constitutes a covered disability.
- Consult an attorney before filing to ensure your claim aligns with your policy terms.
3. Failure to Follow Treatment or Recommendations
Insurance companies may deny claims if you don’t follow prescribed treatment plans or miss medical appointments. They may argue that the condition isn’t severe enough to prevent work.
How to avoid this:
- Follow your treatment plan as recommended by your doctor.
- Keep records of appointments, medications, and treatments.
- Document any valid reasons for not following a specific treatment.
4. Incomplete or Late Documentation
Submitting forms late, missing signatures, or failing to provide requested documentation can result in denial.
How to avoid this:
- Respond promptly to requests from your insurance company.
- Keep copies of all submissions.
- Consider having an attorney review your claim package before submission.
5. Disagreements About Functional Limitations
Even with supporting medical evidence, insurance companies may deny claims by asserting you are capable of working in some capacity.
How to avoid this:
- Have your doctor clearly describe your functional limitations in writing.
- Keep detailed records of your daily struggles and how your condition affects your work.
- Work with a lawyer who can effectively communicate your limitations to the insurance company.
Protect Your Rights With a Fort Lauderdale Disability Attorney
Insurance companies are focused on protecting their bottom line. Having an experienced attorney on your side can make a significant difference in getting your claim approved or appealed successfully.
At Martin J. Sperry, P.A., we help clients throughout Fort Lauderdale navigate the complex disability claims process, gather compelling evidence, and fight unfair denials.
Call 954-324-2340 today or contact us online to schedule a consultation and protect your rights.