Your insurance company can deny your short-term disability claim in two situations. First when you attempt to buy the policy and, secondly, when you file a compensation claim.
When you apply for the benefits, your insurance company might reject them based on the terms of your policy. You have to understand that filling out a social security disability claim is complicated, so it is normal for your first application to be denied. However, if you need help with your short-term disability claim, consult an experienced short-term disability insurance attorney.
To boost your chances of approval, it is important to understand the common reasons why your short-term disability claim was denied.
- First, you might be filling out the form incorrectly
Your claim will be denied for something as minor as a clerical error. Due to the large number of applications made for reviews, forms that contain inconsistencies and are filled halfway will be denied. This is because the reviewers only have a little time to thoroughly inspect every application they get.
Therefore, to improve your chances of approval, ensure all your paperwork is filled out and legible. If you need help filling out your form, seek assistance from the social security officials or look for someone familiar with the procedure.
- Second, your claim will be denied for lack of medical proof
To receive compensation from your insurance company, you must validate your claims using credible documentation. Lack of credibility is a major reason why compensation claims are denied. Therefore, your claim must have organized medical records to document your condition.
For example, you should include physician reports, treatment plans, and laboratory reports. Ensure all documents you forward to the insurer are legitimate.
- Third, when you are not compliant with treatments, your application will be denied
Even after you have proven your current medical condition, if you are non-compliant with your treatment routine, your disability claim might be rejected.
Without proper treatment compliance, the insurance reviewer may not know whether your condition may have improved had you completed your medication.
When you have a genuine reason for not following a treatment plan, bring it forward and provide any supportive records during the appeal process.
- Fourth, if you do not corporate with Social Security Administration, you will likely lose your claim
The Social Security Administration sets the requirements for compensation. As such, you must engage and cooperate with them because your claims will likely be denied if you fail. For example, the administration might request access to your medical records.
Additionally, they may require you to submit to further medical tests done by their medical provider. Therefore, to strengthen your chances of approval, provide all required documentation related to your case, respond to all inquiries, and be punctual when appearing for scheduled appointments.
- Lastly, if you have previous denials, you might be denied again
It is not unusual for your disability claim to be denied because it has been denied before. For instance, when your claim is denied, you should refrain from refiling it again. Instead, follow the right process by making an open appeal, as the Social Security Administration encourages.
As we have seen, there are many reasons why your short-term disability claim might be denied despite being deserving of compensation. Therefore, the most important thing to do when applying for a claim is to be cautious for these reasons. Ensure that all forms are correctly and exhaustively filled out, prove your disability medically using records, comply with a prescribed treatment plan, work in close coordination with the Social Security Administration, and follow the right appeal process when your claim has been denied previously.
