Published on January 7th, 2021
If you have been diagnosed with a serious injury or illness that prevents you from working, then you depend on your disability benefits to keep you and your family afloat while you seek the medical care that you need. Unfortunately, you might have your application for disability benefits denied.
Or, the disability benefits that you have been receiving for a long time. Why did these benefits get cut off? What should you do next? There are a few key points that you need to keep in mind.
Your Paperwork Was Not Filled Out Correctly
Unfortunately, one of the most common reasons why people have their disability benefits denied is that their paperwork has been filled out improperly. This can lead to premature denial.
According to information that has been published by Lalande Personal Injury Lawyers “Being denied long-term disability can be terribly frustrating for claimants who rely on their disability income every month to support themselves or their family.
Denied claimants can be left with disastrous financial problems if their long-term disability income is their only source of income —especially if that income contributes to shared family expenses.”
If you have suffered an injury, then there might be a deadline by which you need to file your paperwork.
Or, there might be certain pieces of supporting evidence that you need to include with your paperwork. If this is the case, then you need to make sure that you include everything that is asked of you. Otherwise, your application might end up getting denied.
Your Disability Benefit Has Switched To “Any Occupation”
When you first get disabled, your disability policy is likely going to be something called “own occupation” disability.
This means that you are qualified as disabled if you are unable to perform the occupation for which you originally trained. For example, you might not be able to perform construction work as a skilled laborer because of a serious injury that you suffered.
After two years, your policy will probably switch to something called “any occupation” if your disability benefits have stopped coming in.
This means that even though you are unable to perform your original job as a construction laborer, you might be able to perform a job that allows you to sit behind a desk. Thus, the insurance company might have stoped your benefits with the claim that you can perform some other job.
There Is A Problem With Your Medical Records
If your application was denied, then there might be a problem with your medical records as well. For example, you might have suffered a brain injury; however, the insurance company does not agree with your claim based on the information in your medical record.
For example, they might request additional supporting evidence, such as a brain scan. In this case, you need to know who to call to get this information to support your claim. That way, you can file a strong appeal
Reach Out To A Trained Disability Lawyer For Assistance
If you are looking for disability benefits and your claim has been denied, then you might not know what to do next.
The good news is that you do not have to go through this situation alone. There are trained lawyers who are willing to lend a helping hand to those in need.
You need to make sure that you can support yourself financially while you are recovering from a serious injury. This means disability benefits. Reach out to a trained lawyer and place yourself in the best position possible to be successful.