Individual disability appeal: taking action

When you purchase an individual disability insurance policy, you hope there never comes a time when you need to make a claim. If you do find yourself in this position, it is much easier to move forward with your life if your insurance company cooperates.

There are times when a disability insurance company wrongfully denies a person the benefits to which he or she is entitled. In this situation, an appeal is often the best way to take action.

Generally speaking, an appeal starts with a written response to the insurance company’s claim denial. To achieve success, the response must address the medical, legal, and vocational issues involved. The end goal is simple: to make it clear to the insurance company that you are entitled to the benefits as outlined by your policy.

While an appeal is the most common type of action when it comes to a disability insurance denial, there are other strategies to consider, such as a lawsuit. This may be a last resort, but many people find that it is the only way for them to collect. With some policies, arbitration between the company and customer is required.

If a person is denied disability benefits for one reason or another, he or she must review all available information to determine which steps to take next. This may bring many challenges to the forefront, as nobody wants to file an appeal, but it is often necessary. For those who don’t know what they are doing or are struggling to get on the right track, consulting with an attorney is often a good decision.