It can be heartbreaking if you have your valid disability claim denied. Your life might be turned around, especially if that was your contingency plan.
Since you are no longer in a condition to work, your financial security and overall well-being are at risk. Therefore, it is important to be aware of what may lead to a denial of your disability claim and what you can do about it.
What may lead to a denial of your ERISA disability claim?
It likely has to do with the paperwork. If you failed to give the correct information about your disability, or missed deadlines, your claim would likely be denied. Other reasons may include:
- Contradicting evidence that disproves your disability claim
- Vocational experts report
- Limitations on coverage in the policy, among others
Importantly, insurers must provide a reason for the rejection of your claim. They are required by law to provide detailed information as to why your claim was denied in a way that you understand. However, there are other options at your disposal.
You can go to court
If you feel that your insurer denied your valid disability claim, you may turn to the courts, where your case will be reviewed. In most cases, the burden of proof is on you to show your disability prevents you from working. The legal threshold of having your claim denial overturned is relatively high, which is why you need to navigate your case with the necessary knowledge.
In addition, the appeal process is quite time-sensitive, and if you miss a deadline, you risk losing your benefits. Finally, keep in mind that the court may not accept new evidence supporting your disability. Instead, the documentation you have provided earlier will be used to determine your appeal.