Fight for Your Rights: 7 Steps to Appeal Your Disability Denial
If you find yourself in the position of having your disability claim denied the most important thing to do is stay calm. This may be easier said than done, but you need to know that you do have options for appeal, and you can win.
It can be a real shock to get the notice that your claim has been denied or that you have been deemed no longer eligible for the benefits that you rely on. Even though there may be financial pressure on you to move fast with your appeal, you need to take your time if you want to be successful.
Here are the 7 steps you need to start your appeal process the right way.
1. Get all the information you can about the denial
This is the best place to start. Having a clear idea of why your claim was denied is essential. You will need to make sure that you have documents such as the formal denial letter, and a copy of the insurance policy, and the benefit providers internal claim file.
Also, you should make a point of saving any email communication you have with them, and also you need to document the phone calls that you have had leading up to the claim. The more information you have the better, so don’t feel shy about asking for it.
2. Don’t be intimidated to come back to work
Once your claim is denied, your employer may demand that you come back to work. You will still be protected under your employment contract and with a letter from a doctor you can remain on sick leave. This letter will force the company to acknowledge that you are on sick or disability leave.
3. Look into any other benefits or claims you might be entitled to
You should take this time to investigate any other disability benefits that you may be eligible for. At this time, you should also seek the help of an expert in disability claims. They will be able to give you the upper hand and get you the benefits and support that you need.
4. Have a plan, no matter what
It is quite possible that your claim will not be sorted quickly and you may have to move some money around in the short term to cover your expenses. This can be an unsettling time, but you may need to dip into any savings or ask friends or family for some help to tide you over.
5. Is there a deadline?
You may need to get your claim submitted before a certain date for them to even look at it. This is a very important thing to understand, if you miss the deadline you may be out of options, so remaining efficient is important during this time. It may be best to consult with a professional disability claims lawyer for maximum efficiency during this process.
6. Don’t go through this alone
This will be a very stressful time, and you will need the support of those around you to provide emotional support. You should also seek the help of an expert in disability claims. They will be able to give you invaluable help, and have the experience to know what works and what doesn’t.
7. Wait patiently
Having to wait for a decision can be very frustrating, you should be given an estimate on how long the review will take, usually about a month. The important thing to remember is that you must stay positive no matter what the outcome. If you do not get the decision that you hope for your disability claim specialist will be able to advise you on the next steps.