5 Reasons Why Disability Insurance Claims Might Be Denied

Many disability insurance claims are often denied by both public and private organizations. However, the logic behind these denials is not always clear.

To help you understand your situation better, below, you’ll find some of the most common reasons why your DI claim failed.

It might be possible that one or more of your policies has an exclusion targeting those with a disability. For example, the early symptoms of your condition can be described in the fine print and serve as a ground for denying your disability insurance claim.

Your Existing Insurance Policy Has an Exclusion

Before submitting your disability insurance claim, always remember to check the Proof of Claim or Notice clauses. Usually, one of these two provisions includes a time frame during which you can file your claim.

Your Disability Insurance Claim Was Filed Too Late

You have the full right to refuse the IME evaluation. Some medical practitioners might be more favored by the insurance companies due to their opinions. However, it’s better to simply attend the assessment and protest a wrong opinion than refuse the check-up outright.

You Refused an Independent Medical Assessment

Your Disability Status Was Contested

To accept a disability insurance claim, any insurance provider needs proof in the form of medical evidence. Sometimes, however, even the medical opinion might be inconclusive. 

Some disability insurance claims get denied if you’re wrongly assessed by the insurer. Your provider might believe that your current job is compatible with your disability, especially if your employer does so, too.

You Were Assessed Incorrectly By The Insurance Provider

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