Hurricane Dorian is approaching Florida. You can see the response with a quick trip to the local stores in the area — empty shelves where bottled water used to be, crowded lines, and people stocking up on food and batteries. This can be attributed to fear or the need to prepare for a worst-case scenario. Some simple things like a battery-powered radio, first-aid kit, and washing clothes and dishes before the storm hits are invariably overlooked.
The same can be said for receiving a denial letter from a disability insurance company. Just as you don’t want to see your home ruined after spending your life acquiring it and maintaining it, people receiving disability insurance denials don’t want to see their livelihoods ruined after paying for a disability insurance policy and working all their life. The sudden threat can cause panic. Some people appeal immediately without medical evidence to support their appeal. It is generally a better idea to put down the denial letter and think strategically. An attorney who is familiar with disability insurance appeals can be a valuable ally. Your physicians may be willing to offer support for your appeal. Don’t allow the urge to act immediately keep you from taking a moment to slow down and focus on the things you need to do after receiving a denial letter.
A storm may be approaching, but there are steps you can take to prepare. Disability insurance denials governed by the ERISA statute typically allow 180 days to submit an appeal (read your denial letter carefully – it will almost always state exactly how long you have to appeal). If you have received a denial with time to submit an appeal and have questions or would like to have an attorney handle your appeal, call Coffman Law today for a free initial consultation.