Denied Disability Insurance Claim: Why Won't They Pay?

There are two main reasons that you can be denied disability insurance. One, your paperwork may have been misfiled. Two, your claim may not be covered. In either case, you have a right to ask the insurer for a specific reason why the claim was denied.

Re-Filing Paperwork

At times, the paperwork your doctor sent in did not prove that you meet the qualifications for "disabled" under your current plan. For example, if you have an illness, the illness must persist for a certain period of time to be deemed a disability. Your doctor will have to show that your illness has, and will, persist in order for your claim to be accepted. Show your doctor the denial, and ask the office to refile.

Uncovered Claim

If your claim is simply not covered in your contract, you have the right to know why. However, there is little you can do to stop the insurance company from denying the claim under these circumstances. You may ask your insurance broker or consultant, if you have one, to provide you with a list of covered claims you may qualify due to your disability. You can then refile with this new claim to attempt and recover a payment.

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