Sadly, there are many things that can keep us from doing the work that we love. Disabilities like ADD and ADHD, carpal tunnel syndrome, cancer, and even seasonal affective disorder can substantially limit obtaining, performing, and keeping a job. But what happens when our disability claims are denied?

Here are some frequently asked questions, and answers, regarding denials of disability insurance claims:

Why Was My Disability Insurance Claim Denied?

Disability claims can be complex, and there are many factors that could lead to a denial of your claim. Your claim could be denied for:

• Missing or Incomplete Paperwork: Insurance companies won’t dot your i’s and cross your t’s for you, so make sure you do it yourself.
• Late Filing: Disability claims have time limits, so don’t wait too long to file your claim.
• Lying About Your Claim: Most claims are legitimate, but filing a false disability claim is a crime.
• Lack of Treatment: Insurance companies will be looking to see if you’re receiving treatment for your disability, so make sure you follow through with physical therapy or any other prescribed treatment.
• Doctor Disagreements: It’s possible the insurance company’s doctor disagrees with your claim, and you may need to get a second opinion.

What Can I Do If My Disability Claim Is Denied?

Just because your disability claim has been denied doesn’t mean it’s over — you just need to know what to do next. You may be able to appeal a disability claim denial. But figuring out why your claim was denied and correcting it or filing an appeal are important decisions that must be made carefully, and most likely very quickly.

Do I Really Need a Disability Attorney?

Trying to fight a disability insurance denial on your own can be complicated. A disability insurance lawyer will be able to guide you through the basics of the benefits, how the Employee Retirement Income Security Act (ERISA) may apply to your case, and determine whether you are eligible for Social Security Disability Insurance.

And if your claim is denied, a disability attorney can aid with your appeal. If your disability insurance claim has been denied, you should consult with an experienced disability attorney near you.

Related Resources:

• Was your long-term disability insurance claim denied? Have your claim reviewed for free. (Consumer Injury)
• 5 Questions to Ask a Disability Lawyer (FindLaw’s Injured)
• What Is Disability Insurance? 3 Basic Questions (FindLaw’s Injured)
• Confused by Disability Insurance Claims? FindLaw’s Top 5 Tips (FindLaw Insider)