Many Texas residents depend on long-term disability benefits to support themselves and their families when they can no longer work. Unfortunately, the process for applying for these benefits is often complicated and even the strongest applications can be denied. However, the good news is that there are attorneys available to help you appeal your denial and get the benefits you deserve.
Appealing a disability denial
When an insurer rejects your long-term disability insurance claim, it is required to provide you with a letter explaining why it denied your claim. This letter will be the key to building a case for appeal. As you go through the appeals process, you and your attorney may need to:
- Provide additional documentation (e.g., medical records).
- Sign you up for additional medical testing to provide more evidence of your condition.
- Make sure all information provided is accurate and up to date.
- Request letters from treating physicians as to their opinions of how your condition impacts your ability to work.
- Request letters from friends and family regarding their observations of how your condition impacts your life.
- Make sure to meet all deadlines.
Providing the necessary and appropriate information for a disability claim can be key when appealing a disability denial. However, sometimes insurers will do anything to avoid giving you the benefits you deserve. In such cases, your attorney may have to file a lawsuit against your insurer. If your case is successful, your insurer will have no choice but to provide you with the benefits you are counting on to support yourself.
