Being denied a disability insurance claim while suffering from a gambling addiction is a difficult time. It often raises a lot of questions, with many sufferers wondering what they should do next. Share Lawyers is here to help navigate gambling addiction and LTD.
Below is some specific information about disability claims and gambling addiction.
Gambling Addiction and LTD
Q: Can an insurance company demand a second Medical opinion on my disability claim for my gambling addiction?
A: Disability insurance policies often allow an insurance company the right to have a doctor of their choice conduct their own medical assessment.
Q: What type of documents do insurance companies request during a medical disability appeal for gambling addiction?
A: If you are appealing a denied disability claim, your insurance company has likely requested additional information to support the claim. Often they will not even consider your appeal unless you provide them “fresh evidence”.
As part of your original application, you and your doctor would have filled out forms. In most cases, your primary physician would have also provided their clinical notes and records.
For an appeal, you should also submit up to date clinical records, the records from any hospital or specialists you have attended, and copies of any diagnostic tests you have undertaken.
However, a narrative report from your specialist or primary physician is often the best evidence for an appeal. That report should contain your diagnosis and the physician’s opinion on your disability, as well as additional information, such as:
- a thorough treatment of your symptoms
- how symptoms affect your functionality both in and out of the workplace
- the treatment you are undertaking
- if available, your prognosis into the future
However, appeals are often unsuccessful and can take many months. In some cases appealing on your own can actually damage your claim because you may inadvertently give too much information. If your claim has been denied, we would encourage you to seek legal advice as soon as possible.
Q: I feel that my insurance claim for my gambling addiction treatment is necessary for my recovery and ability to go back to work. What do I do?
A: If you believe that your insurance company has wrongfully denied your claim for long term disability benefits, or even if you are simply unsure of the reason your benefits were not approved, you should immediately seek legal advice. An experienced disability lawyer will ensure that you are fully aware of your rights and can challenge the insurance company’s decision as soon as possible.
Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.
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