How To Appeal A Denied Disability Insurance Claim

Facing a disability can be incredibly challenging, and a denied disability insurance claim can add to the stress and frustration. If you’ve received a denial from Lincoln Financial or another insurance provider, don’t lose hope. You have the right to appeal the decision.

Below are step-by-step instructions on how to appeal a denied disability insurance claim, focusing on navigating a Lincoln Financial disability denial.

Step 1: Understand the Denial Reason

The first step in appealing a denied disability insurance claim is to understand why your claim was denied. Lincoln Financial, like other insurers, must provide a detailed explanation for the denial. This explanation will be found in the denial letter you received.

You must carefully review the denial letter and pay close attention to the specific reasons cited for the denial. Common reasons include insufficient medical evidence, failure to meet the policy’s definition of disability or documentation issues.

Also, note the key issues you must address in your appeal, whether they involve providing additional medical evidence or clarifying details about your condition.

Step 2: Gather Additional Evidence

To strengthen your appeal, gather additional evidence to address the reasons for denial. This evidence should support your claim and demonstrate your eligibility for benefits under your policy.

You should collect updated and comprehensive medical records, including doctor’s notes, diagnostic test results, and treatment plans. Ensure that these documents clearly outline your condition and limitations. You should also consider obtaining evaluations from specialists who can provide expert opinions and additional evidence to support your claim.

In addition, get a Functional Capacity Evaluation (FCE). An FCE can objectively assess your physical and mental capabilities in relation to work tasks. This can be a valuable piece of evidence for your appeal. You can also include detailed personal statements from yourself and others who can attest to the impact of your disability on your daily life and ability to work.

Step 3: Write a Detailed Appeal Letter

Your appeal letter is a critical component of your appeal. It should address the reasons for denial and provide a comprehensive argument for why the decision should be overturned.

Begin your letter by stating that you are appealing the denial of your disability insurance claim. Include your policy number, the date of the denial, and your contact information. Then, systematically address each reason cited in the denial letter. Provide counterarguments and supporting evidence for each point. Be thorough and specific. Refer to and include all relevant supporting documents with your appeal letter. Clearly label each document and explain its relevance to your appeal.

Conclude your letter by formally requesting a reconsideration of your claim based on the new evidence and arguments provided.

Step 4: Submit Your Appeal on Time

Disability insurance policies typically have strict deadlines for filing appeals. If you miss a deadline, you can lose your right to appeal.

Check your denial letter or policy documents for the deadline to submit your appeal. This is often 180 days from the date of the denial. Then, start gathering evidence and writing your appeal letter as soon as possible to ensure you meet the deadline. Make copies of all documents and your appeal letter for your records before submitting them.

Step 5: Consider Hiring a Lincoln Financial Disability Attorney

Hiring an experienced attorney can significantly increase your chances of a successful appeal, especially when dealing with a Lincoln Financial disability denial.

A Lincoln Financial disability attorney can provide expert guidance on the appeals process, help gather and present evidence, and ensure that all documentation is thorough and accurate. They can represent you in communications with Lincoln Financial, negotiate on your behalf, and, if necessary, take legal action to secure your benefits.

Studies have shown that claimants whom attorneys represent are more likely to have their appeals approved.

Step 6: Follow Up Regularly

After submitting your appeal, it’s important to follow up regularly with Lincoln Financial to track its progress.

Maintain regular contact with the claims representative handling your appeal. This will help you stay informed about any additional information or documentation needed. Also, keep a record of all communications with Lincoln Financial, including dates, names of representatives, and details of the conversations.

To improve your chances of a successful appeal, start by understanding the reasons for denial. Then, gather additional evidence, write a detailed appeal letter, and submit your appeal on time. Seeking assistance from a Lincoln Financial disability attorney can further enhance your case. Remember, persistence and thoroughness are key to securing the benefits you deserve.