If the company that has been sending you disability benefits suddenly tells you that your request for further payments has been denied, do not panic. There is a good chance that the apparent misunderstanding can be corrected. After all, denial of disability payments can only be justified in a court of law, if the person requesting the benefits does not qualify for that financial support.
Should you file an appeal?
When you consult with a personal injury lawyer in Camrose, and Cochrane, they will learn what caused the denial. If the insurance company simply wants more information on your injury, and how it inhibits what you can do on the job, then you should be able to obtain that information. If you can carry out a simple fix, then there is no reason for suing your insurance company.
Steps to take before filing an appeal:
If you were told over the phone to expect an end to the regular arrival of disability payments, then you need to request a written confirmation of any plans to cease the sending of all future disability payments.
Learn the limitation period in your court district. How long do you have in which to file an appeal, if that is what you decide to do? If you wait too long, the court will refuse your request for an appeal.
Collect those medical documents that could help to prove that you deserve to be assured of coverage from your insurance company. That coverage would take the form of regular benefit payments.
Study carefully the reason for the denial of payments. Be certain that you obtain medical information that can showcase the weaknesses in the insurance company’s claim, the claim that you do not deserve to be receiving disability payments.
Consider the options available to you, as you seek to have the denial reversed. You could pursue an internal appeal, in which case your case gets passed on to a different agent in the same insurance company. If you do not want an agent reviewing your case, then you might want to request an administrative review.
If you want someone with a more objective view to study your case, then you have 3 additional options. You can request an outside appeal hearing. You can agree to attend an arbitration session, or you can commence litigation. That would mean suing the company that has chosen to deny your benefits.
Because you are faced with those choices, you should find and retain a personal injury lawyer. The lawyer’s experience and education can serve as a source of useful information. Both of them can function as a guidance, when you decide on the best way to move forward. Just remember that you have only a limited amount of time for reaching a practical decision.