Why It's Important to Have Your Doctor’s Support When You Make an LTD Claim
Deny, deny, deny - sometimes it seems like that's what insurance companies do best when it comes to disability claims. Our firm knows this all too well, as much of our business is based on fighting for the disability benefits our clients deserve after their disability benefits claims have been denied.
If you're apprehensive about your claim being denied, you should start out by putting your best foot forward. A great way to improve your odds of winning the benefits you deserve is by going in with the right supporting documents, and most importantly, with full support from your doctor. Here's why.
The Doctor is the Expert
You know you're not fit for work, but it is seen as speculation until you have your doctor's seal of approval. A doctor's supportive assessments, test results, and recommendations can go a long way in disability claims. They make your decision to not return to work seem reasonable and necessary, and their test results will be there to reinforce their expert medical opinion.
Objective & Subjective Analysis
When an insurance company denies a claim, they ultimately do so based on their subjective assessment of your situation - this is basically speculation about your health. When a claim is denied, our job is to create a strong counter argument rooted in objective scientific fact. Your doctor is invaluable in this process.
Doctors are able to strengthen your case by recommending and ordering appropriate tests to demonstrate your claims. Their interpretation of this scientific testing is also necessary, as the insurer may try to manipulate the interpretation of those test results. Your doctor can also refer you to specialists whose analysis can be even more valuable than your GPs in some situations.
They Know Your History
Your doctor may have access to a well-documented history of your health. That medical history can be used to reinforce your claim that your health or ability has declined over time.
Insurance Companies Can Be Ruthless
If you appeal a denied claim for disability benefits, most insurance companies will make it their priority to prove that you are able to work and are ineligible for benefits. They may even go so far as surveil your actions and try to document you doing tasks that suggest you are more able than you claim to be.
Without the support of a medical professional, you may find yourself unable to defend your condition. Your doctor is able to provide indisputable evidence that you are unwell or disabled. This is your strongest defence against the insurance company’s vigilant campaign against you.
Your doctor can be your greatest ally in court when it comes to winning the disability benefits you deserve. Let them know what’s happening and ask for the help you need to make your case.
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Denied your long term disability claim?
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