After you submit a disability claim, an insurance company will review it and request important documentation. Thus, a claim denial does not occur right away. However, it usually happens for a lot of reasons. Even if your claim is initially denied by the insurer, you can still prevail in the end if you have an experienced disability claims attorney on your side. 

Filing an appeal is a complex process that requires prompt action. First, you need to meet the proof of loss of your policy and ensure you don’t miss the filing deadline. Filing a disability appeal offers you another chance to obtain the benefits you deserve. Below are tips to help you prevail in your appeal:

File an Appeal on Time

Group ERISA policies require submitting a written comprehensive appeal on time. Your attorney can walk you through this deadline. 

Ensure Your Appeal Includes the Correct Paperwork

Your appeal must include submissions of medical, occupational, and financial proof of your disability. Also, you must submit complete paperwork that demonstrates all related testing, objective evidence, medications, and information about your disability. 

Include a Letter of Support

A detailed letter from your family, doctors, colleagues, and caregivers can support your claim. This letter should outline the challenges you overcome to get better and the impacts of your disability on your ability to work. 

Be Honest

Never lie or exaggerate in your appeal or documentation. Otherwise, the insurance company may still deny your appeal. Plus, lying could cause you more stress and legal troubles. In addition, you need to be honest with your treating doctor. The information they offer could strengthen your appeal. 

Submit Medical Evidence

When you appeal a disability claim denial, you must submit the medical evidence you provided when you filed the initial claim. Medical tests, records, and detailed doctor’s notes can influence your appeal’s outcome. Make sure to submit additional medical evidence to improve your chances of getting approval. Before you file an appeal, discuss any medical reports or evidence with your doctor. 

Consult a Disability Lawyer

A disability attorney can help you gather related medical information to bolster your appeal. Also, they can ensure you meet the filing deadline. Once you get the denial letter, speak with your attorney as soon as possible. This way, you give them enough time to investigate your denied claim, injury, or sickness. Also, they may need to consult with your doctor or other medical experts to get relevant information.