Introduction:
Long-term disability insurance provides financial support to those who are unable to work due to a long-term illness or injury. Typically, it replaces 50-70% of your income while you’re out of work. However, like other insurance companies, disability insurers often look for ways to deny or delay claims, leaving you frustrated and uncertain.
If your long-term disability claim has been wrongfully denied or discontinued in Michigan, it’s crucial to take the right steps to protect your rights and secure the benefits you deserve. Do you need to hire an attorney? While it’s not always necessary, it’s often a good idea to consult with one early in the process. Many disability attorneys offer free consultations, and even if you don’t hire one, it’s helpful to understand your options and ensure you’re on the right track.
In this blog, we’ll walk you through three critical actions you should take to get the benefits you deserve after a wrongful denial.
1. Request Your Insurance File and Keep All Documentation
If your long-term disability claim has been denied or discontinued, the first step is to request your insurance file and policy information. This will provide crucial details on why your claim was denied, including the terms of your policy, medical records, expert reports, and other evidence used by the insurer. It’s essential to carefully review these documents for any errors or overlooked information. If you’re unsure what to look for, proceed to step two for further guidance.
Why This Process is Important:
By requesting your insurance file, you’ll gain access to the documentation that can help you understand the reasoning behind the denial. It also ensures you have all the necessary information to challenge the decision if needed. This can include medical records, expert reports, video surveillance, and other forms of evidence.
How to Request Your Insurance File:
- Submit a written request to the insurance company.
- You can request the file to be sent electronically (e.g., a downloadable file or a link) or physically (e.g., on a flash drive or mailed to you).
- Insurance companies are typically required to provide this upon request.
What to Keep:
- Medical records and reports
- Any letters or emails from the insurance company
- Notes of phone calls or meetings with your insurer
- Pharmacy documentation
- Employment records
- Disability claim forms and correspondence
- Disability benefit payment records
- Appeal documents
By staying organized and ensuring you have all necessary documentation, you’ll be better equipped to challenge any decisions and protect your rights.
2. Consult an Experienced Disability Attorney in Michigan
One of the most important steps you can take after your disability claim has been denied is to speak with an attorney who specializes in long-term disability insurance. You shouldn’t have to face the insurance company alone. Michigan long-term disability lawyer, Bob June of JuneLaw, can help you navigate the complexities of your claim and take the necessary steps to ensure you get the benefits you deserve.
Why This is Important:
Attorneys with experience in long-term disability cases can help you understand your rights, manage paperwork, and potentially appeal the decision. We understand the burden you’re already carrying and adding a denied or delayed insurance claim on top of that can feel debilitating. Our expertise can reduce your stress and significantly increase your chances of success.
What to Expect:
• Call us to Schedule a Consultation: We gather information about your claim to understand your situation and determine how we can best assist you.
• Set up a meeting with our team: Our team will address your questions, identify key issues, and guide you on the best path forward with clear explanations.
• Breathe a sigh of relief: Let us handle the work while you focus on other priorities, knowing you’re in good hands.
3. Ensure Ongoing Medical Care for Your Disability ClaimIf your long-term disability claim has been denied, it’s still essential to maintain ongoing care with your doctor. Most disability policies require that you remain under continuous care, so it’s important to always have another appointment scheduled, even if you’re facing a claim dispute.
While the cost of medical appointments may be a concern, continuing with your doctor visits is crucial to show the insurance company that you are actively seeking treatment. Regular care not only supports your claim but also helps demonstrate compliance with your policy’s requirements.
By keeping your appointments, you’ll strengthen your case and improve your chances if you need to challenge the denial.
Conclusion:
We understand that a denied or delayed claim can take a huge toll on your financial situation and can be an overwhelming burden. If your long-term disability insurance claim is wrongfully denied or discontinued in Michigan, don’t panic. By following these three key steps—requesting your file, consulting with an attorney, and continuing with ongoing care—you’ll be better equipped to handle the situation and take the necessary actions to get the benefits you deserve.
If you’re facing a wrongful denial in Michigan, contact an experienced attorney who can guide you through the appeals process and ensure you’re on the right track.
Hear From Our Clients:
“I was in need of a disability lawyer and found Mr June. Mr. June was so helpful – always kept me updated. I am very pleased that I chose Mr. June and would highly recommend him.”
Need Help with Your Disability Claim?
If your long-term disability claim has been wrongfully denied or discontinued in Michigan, don’t wait. Contact June Law today to schedule a free consultation and start protecting your rights. Our experienced attorneys can guide you through the process and ensure you have the best chance at success.
Call us now at 734-481-1000 or visit www.junelaw.com to speak with someone about your case.
Disclaimer:
The information provided in this blog is for general informational purposes only and is not intended to be legal advice. Reading this blog does not create an attorney-client relationship. If you need legal advice or assistance with a specific legal matter, hire JuneLaw for top-notch legal services.