When filing for long term disability from your employer, it's important to understand common reasons why a claim may be denied. Experienced NY Long Term Disability Attorneys can give you an idea of what to expect and can help you prepare your claim.
NY Missed Deadlines
If you suffer from a disabling injury or condition, it's critical that you inform your insurer under the terms of your plan. In the event your claim is initially rejected, you will also have the opportunity to appeal this decision. If you miss a filing deadline, you may lose the right to file a claim. Knowledgeable NY long term disability attorneys can review the rules with you.
Insufficient Supporting Documentation
In order to receive benefits for a disability, the claimant is responsible for providing sufficient medical documentation detailing the extent of their condition and how it disables them from work. Without this documentation, there is nothing for the plan administrator to base the benefit claim on, and it will be rejected.
Expect the adjuster for the plan to thoroughly investigate the claim. This investigation may even reach the level of video or personal surveillance. If the claimant exaggerates the claim and is seen performing tasks outside of work that he or she claims they can't, this can seriously undercut their chances of receiving benefits.
Misinterpretation of the List of Impairments
The plan may utilize an internal list of impairments that may qualify as a disabling condition. If a claimant does not have a condition typically defined as disabling or the impairment lasts longer than its expected duration, the claimant may not be able to get long term disability benefits. When substance abuse or a pre-existing condition are present, this can undercut the claimant's chances considerably. As stated above, having the appropriate and enough supporting documentation is key at every stage.
Contact NY long term disability attorneys
Trust your claim to skilled NY long term disability lawyers with a long track record of getting results for their clients. To make an appointment for an initial consultation and case evaluation, contact Riemer Hess at 212.297.0700.