I suffer from anxiety. My insurance carrier says I am not disabled and asked me to provide proof to challenge their denial. Why are they asking for proof of my disability?
Insurance companies will often resist approving your claim on the basis that you have failed to provide “objective medical evidence” to substantiate your claims. They will often requests test results in order to ‘prove’ your disability. Of course, when disability is based on mental health, or even chronic pain, there is often little or no testing that can demonstrate the extent of your illness. Tests results are not required in order to be eligible for benefits. The law considers your own self reports, as well as the opinions of your physicians as adequate information to support a disability claim.
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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
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