Filling out disability forms is not the easiest task in the world. One of the hardest part in making a claim is proving your disability. After all, the insurance is called disability insurance. So, you should truly be disabled to be eligible for compensation.
According to the website of Fields Disability, insurance companies are out there to protect their profits and not your best interests. As a result, they may reject more claims than necessary. But this becomes a problem when they start to reject legitimate claims.
It is important to note that rejected claims are not always the result of insurance companies just maximizing their profits. Sometimes they are the result of the lack of evidence regarding your disability, which is a legitimate reason to reject a claim.
Do you really deserve coverage?
Yes, you are shelling out money to get insured, but it doesn’t mean that every claim you make deserve coverage. The insurance company will make its own investigation to determine whether you really deserve to be compensated or not, not just to save money, but to prevent unnecessary expenses on their part and unwarranted help on yours.
One of the strongest factors they consider is the legitimacy of your disability.
Are you really disabled?
To be disabled, the condition should partially or totally prevent you from going to work or doing specific tasks required for your job. Usually, there is an agreed upon number of weeks or months that you have this condition for it to be considered a disability.
However, being physically limited does not automatically mean that you are disabled. You also have to prove it in the most convincing way – medical science. You should be truly medically disabled, according to medical professionals. You should also have the proper medical records to back them up, such as clinical records to show that you are regularly getting treatment, X-rays and MRI’s to prove your condition, and written opinions from your physician to give a sense of authority to your claim.Read More