Tips to Write a Perfect Long-Term Liability Appeal

by Pinky Tyagi Blogger & Writter

There are several incidences when long term liability claims do fail. Insurance companies are in business, and they are always looking for every reason to deny your LTD claim. However, denial should not be the end of the world because you can still appeal. The appeal process gives you an opportunity to get the compensation that you deserve.

However, you will not succeed unless you understand the reasons that led to the denial. You could have made a mistake in the application process that the LTD company used against you. Learning from your past mistakes can help you to prepare a better document. Here are some tips that you can use to write a winning long-term liability appeal. The most important thing is to make sure that you are getting what is rightfully yours.

Don’t Panic

There are high chances of panicking whenever the insurer denies your long-term liability claims. However, you are not the first one because 40% of the applicants go through the same stress but end up succeeding after the appeal. The challenge with panicking is that it will only make things worse. You need to settle down so that you can write a pleasing proposal. You will not produce a good document unless you have the desire peace of mind.

Read the Denial Letter

The insurance company will always give you a denial detailing the reasons behind the decision. This letter should form the basis for your action. You need to think whether there are places the company made bias judgements and prove them wrong. The denial letter will form the basis for your next course of action.

Gather the Relevant Information

Request the copies of your claim file and the original insurance policy from the insurance carrier. Examine the documents for any incomplete or incorrect information. You have to make sure that you seal any loops that could be in your documentation.

Compose the Letter

All the above information will help you to compose a winning LTD appeal letter. Make a list of the issues that you are disagreeing with your insurance company on. You also have to provide the documentation that support your argument.

Seek for Assistance

Vocational experts and doctors are always willing to write a letter that will support your appeal. Share with these experts to see whether they can help you in one way or the other.

Provide Disability Proof

Include documents that show the other benefits that you are receiving because of the disability. Some of them would include the social security disability benefits and worker’s compensation benefits. These details play a critical role while processing your appeal.

Include Your Family and Friends

Most insurance companies will hire private investigators to monitor you as you perform your task despite the disability. Provide written accounts that detail your disability, treatments, and side effects from your friends and family. The info will provide a big win for the LTD appeal.

Meet All the Set Deadlines

Appeal deadlines are fixed. You may lose all your benefits if you miss out on any of these deadlines.

Seek Professional Assistance

These tips will help you to write a perfect LTD letter but you don’t have to go through the process alone. You can schedule a consultation with ERISA lawyer for professional assistance. These experts will walk with you through the process till you win the claim.