Reasons for Denied Claims

The United States Census Bureau reported that over 30 million Americans between the ages of 21 and 64 are currently disabled. Statistics also estimate that one in four 20-year-olds will experience a disability at some point in their lives before reaching retirement. Most people believe it is a freak accident that causes most disability cases, but the leading causes are actually cancer, heart disease, and back injuries.

The average long-term disability lasts close to two and a half years. You deserve financial payments from your long-term disability insurance provider during this time, and if you are denied, you may suffer greatly. To speak with a qualified legal representative, contact the Indiana long-term disability lawyers of Hankey Law Office, today at (800) 520-3633.

Why Your Claim Has Been Denied?

If you do not have the proper disability insurance, you may be unable to support yourself if you can no longer work because of a disability. Thus, many people opt for this type of coverage. However, sometimes your insurance provider may choose to deny your claim. The following are some of the most common reasons why long-term disability claims are denied:

  • You are not actually disabled from your place of work and therefore can still earn a paycheck
  • You are not actually suffering from an actual medical condition, only pains
  • You suffer from a pre-existing condition, and your policy requires you to wait a certain amount of time before being able to claim the condition
  • You are not receiving treatment or are not under a physician’s care

There are many other possible reasons for a denied claim, but to make sure you do not get wrongfully denied, contact a long-term disability lawyer today.

Contact Us

If you believe that your long-term disability insurance claim has been unfairly denied, you may take legal action against your insurance provider. Call the Indiana long-term disability attorneys of Hankey Law Office, today at (800) 520-3633 to schedule your consultation.