There are certain rules that every claimant must know when making a disability claim under a policy. These rules are usually outlined in your policy. It is important to know them and abide by them to not give the insurer an excuse to deny the claim. However, there are some things that you may not really have any control over. In this instance, a disability claim may be denied even though your treating physician has not released you to return to work. Below is an explanation of how this can be done. If you need help with your case or feel that your claim has been wrongfully denied, please contact us to discuss the matter.
If your doctor has not released you to go back to work, your long-term disability claim may still be and can be denied. After the insurance company receives your claim, they will review your medical records and will start their own investigation of your claim. In this process, the insurance company may send your medical records to their own independent doctors to do a peer review. If any of these doctors conclude they don’t find any restrictions or limitations that prevent this individual from working, the insurance company can and most likely will deny the claim. They can deny your claim based on their independent peer review doctor’s opinion, regardless of what the treating physician or physicians who treat you regularly state.
If your treating physician states that you cannot work, or hasn’t released you to go back to work yet, and you received a denial from your long-term disability carrier, please call Cody Allison & Associates at (615) 234-6000 and we will provide you with a free case analysis.