Being denied the long-term disability benefits for which you have applied can be disappointing. However, just because you have been denied these benefits initially does not mean that you won’t ultimately be able to obtain them. In fact, there are many situations where individuals obtain these benefits on appeal.
If you are interested in learning more about your legal options, be sure to call a San Antonio long-term disability attorney today. Attorney J. Price McNamara of the Law Offices of J. Price McNamara can go through all of your legal options with you and help you select the best option or options for your case.
In cases where an insurance company decides to deny your application for long-term disability benefits, it is required to send you a formal letter explaining the reason or reasons for that denial. The benefits denial letter from your insurance company should provide detailed information about all of the following:
If your benefits application has been denied, you might be eligible to appeal that decision. There is certain medical documentation which should be included as part of any appeal. You should include copies of all related medical and physical therapy records, imaging studies, and evaluations which your doctors have performed. It is also important that the medical documentation be very specific about what activities you are unable to do (including daily living tasks) and the specific limitations you are faced with as a result of your specific illness or injury.
You could also include documentation from family or friends which evidences their first-hand observations of your condition (as opposed to subjective opinions about your medical condition). For example, a statement that your spouse must assist you with going up and down stairs or with helping you get into the shower could be helpful to your case.
If your application for long-term disability benefits has been denied for a first or second time, Attorney J. Price McNamara of the Law Offices of J. Price McNamara can explain all of your legal options and help you pursue them.
To schedule a free legal consultation and case evaluation with an experienced San Antonio long-term disability denial lawyer, contact us online today and learn how we could assist you in resolving your legal issues.
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