Today, we’ll be discussing an issue many San Diego residents face: how to appeal a denied long-term disability claim. If you’ve received a letter denying your disability claim, don’t lose hope. You still have opportunities to challenge the decision and secure the benefits you deserve. Here’s a step-by-step guide on how to navigate this often complex appeals process.

1. Review the Denial Letter

The first step in the appeals process is to carefully read your denial letter. Insurers are required to provide a clear explanation as to why your claim was denied. Understand these reasons as they will shape your strategy for appeal.

2. Consult with a Disability Attorney

Before embarking on the appeals process, it’s beneficial to consult with a knowledgeable disability attorney. The legal team at Bonnici Law Group is well-versed in the complexities of disability law. We can provide guidance, helping you understand the reasoning behind the denial, your rights, and the best way to move forward.

3. Gather Necessary Documentation

Start collecting additional evidence to counter the reasons stated in the denial letter. This typically includes updated medical records, physician letters, and documentation demonstrating your inability to work. The more thorough and clear your documentation, the better your chances of a successful appeal.

4. Write an Appeal Letter

Along with your additional documentation, you’ll need to submit a comprehensive appeal letter. This letter should address each reason your claim was denied, using the additional evidence to refute these points. It can also include personal testimonials and a detailed description of your daily life and the impact of your disability. A skilled attorney can assist in crafting a persuasive appeal letter.

5. Submit Your Appeal

Ensure you meet the deadline stated in your denial letter. It’s generally within 180 days of receiving the denial. Send your appeal and supporting documentation via certified mail to keep a record of when it was sent and received.

6. Stay Patient and Follow Up

The appeals process can take some time. Keep records of all correspondence and follow up with your insurance company periodically to ensure they receive all necessary information.

7. Consider Litigation if Necessary

If your appeal is unsuccessful, you may consider filing a lawsuit. This step requires legal expertise, and it’s highly advisable to have a trusted attorney guiding you.

Remember, a denial is not the end of your disability claim; it’s simply a hurdle to overcome. With thorough preparation, strong evidence, and expert legal advice, you can navigate the appeals process effectively.

At Bonnici Law Group, we understand how frustrating a long-term disability denial can be. We are here to help you during this challenging time. Contact us today to discuss your claim and let us support you throughout the appeals process and, if necessary, in court. Don’t face this battle alone; let us fight for the benefits you rightfully deserve. Call us at (619) 259-5199, or click here for a free consultation.