How Do I Convince My Insurance Provider to Approve My Claim?

How Do I Convince My Insurance Provider to Approve My Claim?

When it comes to a long term disability claim, the diagnosis is only half the battle. You still need to get your insurance company to approve your disability. Most providers will be hesitant to do so and will scrutinize your application to find a way to invalidate your claim and avoid paying benefits.

So what can you do to make sure your claim makes it through the rigorous review process? Generally speaking, more evidence is always better. X-rays, CAT scans, MRIs, ultrasounds, and other test results can all serve as irrefutable evidence of a medical condition. If you can provide that kind of objective support, it will make your claim much harder to ignore.

However, even that level of evidence may not be enough to convince a stubborn insurance provider, especially if your claim is based on a mental health condition or an invisible disability like fibromyalgia, which can be difficult or impossible to diagnose through such methods. No matter how much documentation you submit, there’s always a chance that your insurance company will reject your claim for “insufficient medical evidence.”

If you want to improve your odds, your doctor’s support is essential. It’s virtually impossible to advance a claim without a diagnosis from a trained medical professional. You should also ask your doctor to fill out the Attending Physician Statement, which is usually required for a disability claim. They’ll be more familiar with the proper jargon, and their willingness to fill out paperwork on your behalf will speak to the legitimacy of your condition and the necessity of your claim.

Any supplemental information you provide will serve to bolster your claim, though volume alone probably won’t be enough to tilt things in your favour. If you want to give your case the best chance of success, you’ll need to consider the specifics of your company’s insurance policy.

In that regard, a disability claim doesn’t necessarily speak to your physical and mental capabilities. To satisfy the legal definition in most policies, you need to demonstrate that your disability negatively impacts your ability to do your specific job, to the point that you are no longer able to fulfill the responsibilities of the job without jeopardizing your long term health.

With that in mind, evidence that demonstrates how your symptoms have limited your functional ability – both at work and in your daily life – is most likely to be effective. If you’re experiencing back pain that makes it difficult to sit at a computer, chances are that it is also severe enough to make it difficult to go grocery shopping or do other household chores. All of those details are relevant to your disability claim, as is the psychological toll your condition takes on your mental health.

In the meantime, you may want to consult a lawyer if you have any questions about the quality of your evidence or the application process. At Share Lawyers, we can help you gather the information that will best support your case, so you can get your claim recognized even if it has previously been rejected.

Filing for disability benefits can be draining but it’s worth it if it gives you the time you need to recover. Contact us today, and Share Lawyers will do our best to get you the benefits you deserve!

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We have recently settled cases against Great-West Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.