Filing a disability claim can be overwhelming, and unfortunately, many claims are denied at the first stage. For Fort Lauderdale residents, a denial can feel like a major setback, but often it comes down to avoidable mistakes.
At Martin J. Sperry, P.A., we help clients understand why disability claims are denied and how to position their cases for success.
Why Disability Claims Are Denied
Here are some of the most common reasons disability insurance claims are denied:
1. Lack of Medical Evidence
Insurance companies want to see strong proof that your condition prevents you from working. If your medical documentation is incomplete, inconsistent, or fails to show how your condition impacts your ability to work, your claim may be denied.
How to avoid it: Work with your doctors to ensure your medical records are detailed and up to date.
2. Earning Too Much Income
Disability benefits are generally meant for individuals who can no longer engage in substantial work. If you are still earning income above certain limits, your claim could be denied.
How to avoid it: Understand the income rules of your policy before filing. Even part-time work may be a problem.
3. Failure to Follow Prescribed Treatment
If you ignore or fail to follow your doctor’s treatment plan, the insurance company may argue your condition isn’t as severe as claimed.
How to avoid it: Follow medical advice whenever possible. If you can’t, document the reasons clearly.
4. Prior Denials Without New Evidence
Submitting the same information after a previous denial usually results in another rejection.
How to avoid it: If your claim has been denied, appeal with new documentation instead of just reapplying.
5. Not Cooperating With the Insurance Company
Failing to respond to requests for information, missing deadlines, or skipping medical exams can cause an automatic denial.
How to avoid it: Be proactive, stay organized, and keep copies of all correspondence.
6. The Insurer Believes You Can Work
Even with a serious condition, insurers may argue you can perform other types of work.
How to avoid it: Provide thorough documentation of your daily limitations, including how your condition affects your ability to perform even simple tasks.
What to Do If Your Disability Claim Is Denied
A denial isn’t the end of the road. With the right evidence and representation, many claims can be turned around on appeal. An experienced Fort Lauderdale disability attorney can:
- Review your denial letter and explain your options
- Gather additional medical and vocational evidence
- Handle communications with the insurance company
- Advocate for your rights during the appeals process
How Martin J. Sperry, P.A. Can Help
Insurance companies often use technicalities to deny valid disability claims. At Martin J. Sperry, P.A., we help Fort Lauderdale residents:
- Strengthen initial disability claims
- File timely appeals with persuasive evidence
- Push back against unfair claim denials
- Fight for the benefits they deserve under their policies
Our goal is to protect your rights and guide you through this difficult process.
Take the Next Step Toward Securing Your Benefits
Don’t let a denial stand in your way. With legal guidance, you can avoid common mistakes and improve your chances of a favorable outcome.
Call Attorney Martin J. Sperry today at (954) 324-2340 to schedule a consultation and get the help you need to fight for your disability benefits in Fort Lauderdale.