Disability Insurance Benefit Denials
Disability insurance is designed to protect and financially aid a person who becomes disabled or unable to work before retirement. It may be offered by the employer as part of the benefits package or it may be purchased independently. Disability benefits may also come from Social Security Administration’s (SSA) two main programs: the Social Security Disability Insurance (SSDI) or the Supplemental Security Income (SSI). In any case, the insured person is entitled to the full amount of his/her disability insurance benefits once he/she becomes disabled.
At any rate, most people who purchase insurance are expecting that the terms of their insurance policies will be honored. However, unfortunately, their claims for benefits are sometimes denied even at the initial stage.
Disability insurance benefit denials often arise due to the following reasons:
- Lack of information and requirements
If you have been denied of your disability insurance benefits, our skilled disability insurance lawyers in Los Angeles can assist you in filing for reconsideration or appeal. With more than 15 years of experience in handling SSDI and SSI benefit denials, you can be assured of an effective and expert representation of our expert attorneys.
If you are denied of your disability benefits, you must also be properly informed of the exact reason which includes the following:
- Specific provision of policy terms on which the denial is based
- Review procedures
- Guidelines or criteria used in determination of denial
- Documentary evidence
Whether it is an Employee Retirement Income Security Act (ERISA)-based or a social security-based claim, before you can file a lawsuit for disability benefits, you must seek review or appeal. In this stage, you will be given the chance to present new and stronger evidence to support your claim, and increase your chances of recovering your benefits. In most cases, a more comprehensive and detailed medical examination of your condition or disability from a doctor may help you get all the medical evidence that you need to support your claim.
Our expert California social security disability attorney can help you pursue your disability insurance benefits involving your SSDI and SSI claims and your private disability insurance benefits. We have also represented clients in various administrative hearings and appeals bodies and before state and federal courts in Los Angeles and in other parts of California.
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