Is It Worth It To Appeal The Denial of Your Long Term Disability Claim?
It can be a nightmare. You spent up to several months waiting for the response to your long-term disability claim, only to receive a denial letter. Unfortunately, this isn't as uncommon as it should be. You aren't the first and won't be the last to feel overcome by that wave of anxiety, stress, and frustration.
It is unfair, and impossible to comprehend why anyone suffering from a serious illness or other disability would be denied. Especially since the claimants have all been paying into their policies for years, if not decades – all under the illusion that they would receive financial support in a future time of need. Following your insurer's decision, your initial thought may be filing an appeal with the help of ICBC Lawyers in Surrey. After all, they must realize how unjust that denial was, right?
What To Consider Before You Decide To Appeal:
• The people who sent you that denial letter will most often be the same who will receive and assess your letter of appeal. The chances of them admitting to wrongdoing are thus minimal.
• The reason for your denial will most likely be very vaguely justified in the letter of denial. If no real information or evidence was missing, they will most likely have no comprehensible reason to deny you. As a result, you will not even know what to put into your appeal.
• Requesting your appeal and getting an answer may take up to a year's worth of time. This will be one more year in which you will be unable to obtain benefits or other forms of payment. You will only be flung even further into debt.
• If you don't have a copy of your policy, which most do not, you will have an extremely tough time proving that your insurance company has committed any wrongdoings that stand in violation of your policy. After all, you do not even know what terms are listed in your contract, and thus which terms your insurer is using to deny you your benefits.
• Insurance companies have their own doctors who are oftentimes biased and write up reports in support of the insurer's denials of claims. Since you do not have a copy of this medical report, you won't be able to argue against it.
• The appeal process is fully controlled by the people who already denied your claim.
It is best not to try to self-represent in the first place and not file an appeal on your own. That is why you should meet with a personal injury lawyer in Surrey so that they can give you the right direction and walk you through the process.