Being on long-term disability is an ordeal. There are many hoops to jump through and criteria to meet, and you’re put under the microscope by your insurance company to determine what benefits you qualify for and which they don’t have to provide. All of this, on top of dealing with a debilitating injury or disability, can be exhausting. It’s important to know what your rights and responsibilities in Arkansas to make sure that your disability is safe and secure for as long as you need it.
If you sustain a serious injury that requires long-term disability benefits or are on long-term disability, there are many reasons that an insurance company can deny your claim. In order to prevent this from happening, it’s very important to keep records documenting your disability and needs. This makes it a lot harder for insurers to deny claims and makes it a lot easier if you need to hire legal help to ensure that you get the compensation that you deserve.
Insurers deny claims for a whole host of reasons, the most common being disputed on whether disability payouts are necessary. If you don’t have extensive medical records documenting your disability, your insurer can deny your claim on the grounds of inadequate evidence. A claim could also be denied on a technicality if your disability doesn’t match up with the language describing covered ailments. Insurers can even deny claims based on social media history if a post shows you doing a physical activity that they decide is impossible for someone with your disability.
Of course, an insurance company whose only motivation is profit will be looking to take advantage of any of these opportunities to deny coverage and save themselves money. With this in mind, Arkansans must be very vigilant to protect their disability benefits. This means making meticulous records of your disability and staying wary of your insurer is a must. If it looks like your insurer is going to deny your claim, be sure to explore legal options to make sure that you can fight for your payment and get the compensation that you deserve.Read More