Insurance Denials: Disability Claims

Has your insurance claim been denied? If so, contact us immediately. Even if you have launched your own appeal, talking to a lawyer who understands the process can make all the difference. You only have a limited time to sue an insurer and the appeal process does not extend your time to sue. That is why it is so important to call one of our lawyers once an insurance company has denied your claim.

Our lawyers will help you fight back against disability claims negotiating the terms of your policy through litigation and by gathering the medical evidence necessary to prove that your claim is valid. Contact us today for your initial consultation.

How Are Disability Claims Meant to Work?

If an illness or injury prevents you from working, a disability insurance policy is meant to protect you. Under the best circumstances, it provides you with the peace of mind that comes from knowing that you can’t lose all of your income if an illness or injury prevents you from working.

In most cases, you are supposed to qualify for the benefits offered by your policy if your disability makes you unable to perform most or all of the duties of your current position. Depending on your policy, you may need to be unable to perform workplace duties in any occupation to qualify for disability after a set number of years.

These types of claims may be covered by either individual plans, or by employers who place their employees under a group plan.

Not every contract shares the same definition of ‘disability,’ so it’s important to review your policy or ask a disability claim lawyer to help you if your claim has been denied. It is important to understand that even the clearest terms can be open to legal interpretation.

Why Are Disability Claims Denied?

When disability claims are denied, it can be for any number of reasons.

One common reason disability claims are denied is a lack of medical evidence for the disability. For example, you may be unable to perform your duties because of intense pain, chronic fatigue, anxiety or depression. It’s not always easy to prove to your insurance company that the disability is real. That’s why it’s important to talk to a disability lawyer when your claim is denied..

To overcome an insurance denial, it will be necessary for you or your lawyer to gather the medical evidence necessary to satisfy the terms of the policy. Your lawyer may do this by gathering evidence from your doctor, specialists of your condition or from past cases that involve claims like yours.

How Our Disability Claim Lawyers Can Help You

From the first consultation, our disability lawyers can help you understand the complex terms of your policy, begin gathering the information necessary to contest your insurance denial and overcome roadblocks to the approval of your claim.

It is recommended that you do this as quickly as possible if you have not yet determined the limitation period for your policy. You may have no recourse at all if the time limit runs out before you respond to a denial.

Please contact McQuarrie now from Surrey, Burnaby, Vancouver or other cities we serve throughout BC to schedule a consultation to discuss your claim.