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Too much is at stake to guess about the best approach and strategy for fighting your denied insurance claim — years and years of financial security.
After spending years representing insurance companies, we don’t guess. We know their playbook and how they work behind the scenes. Using that knowledge, we’ve developed our own Clear Advantage Process for fighting claims.
It’s personally satisfying to use what I’ve learned as an insurance company insider, now for the good — helping families reverse unfair denials of insurance benefits they paid for, need and deserve.
Disability insurance claim denials happen all the time – especially in cases where ERISA is involved. In fact, being denied disability benefits on the first go-around is fairly commonplace. Insurance companies can think of a-million-and-one reasons to deny disability benefit claims, and their reasoning makes sense.
Insurance companies, like any business, are in the game to make money. They make this money by collecting premiums from their insured customers and trying to keep as much of this money in-house as possible. When an insurance company has to pay out a claim, it effectively loses money.
If you have been denied disability insurance benefits, the Austin disability insurance denial lawyers at the Law Offices of J. Price McNamara can respond to your claim denial and will do everything possible to help you obtain the benefits which you deserve.
In order to prove that you are entitled to disability insurance benefits, it is important that you have a healthcare provider who is willing to be an active participant in your case. Specifically, the healthcare provider must be willing to state, in writing, and to a reasonable degree of medical certainty, that you are currently suffering from a permanent or long-term illness or injury. Moreover, the healthcare provider must be willing to state that in his or her opinion, that permanent or long-term disability or illness prevents you from working in any capacity.
Proving that you are eligible for disability insurance benefits can be extremely difficult. An Austin disability insurance denial lawyer can assist you with proving your eligibility for these benefits.
One of the most common reasons why insurance companies deny disability benefit claims is because the claim allegedly lacks sufficient medical documentation. Regardless of why the insurance company is denying your claim, it must send you a letter setting forth all of the reasons for the claim denial and letting you know how to administratively appeal your claim denial.
In the event your claim for disability benefits is denied, and Austin disability insurance denial lawyer can assist you with filing an administrative appeal in your case by attaching supplemental medical documentation in support of your claim.
Once you have exhausted the administrative appeals process, if you still have not been awarded benefits, an Austin disability insurance denial attorney can assist you with filing a lawsuit against the insurance company and pursuing your case in the federal court system. At the end of the case, a hearing will go forward, and a judge will decide on your eligibility for disability benefits.
The legal team at the Law Offices of J. Price McNamara can assist you with responding to a disability insurance claim denial. To schedule a free case evaluation and legal consultation with an experienced Austin disability insurance denial attorney, please contact us online today.
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