Why Disability Insurance Claims Get Denied

Disability insurance helps you secure a source of income for when you’re unable to work because of a disability. It provides you with a partial income, making it easier to pay your bills or cover the necessary treatment costs.

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Your Existing Insurance Policy Has an Exclusion

These days, many realize the importance of being prepared for the worst and decide to insure various crucial aspects of their lives. However, this also creates a problem. Every insurance has large amounts of fine print used to define the policy's rules.

Your Disability Insurance Claim Was Filed Too Late

Not all disability insurance claims are denied due to complicated medical or legal reasons. Sometimes it might turn out that you simply took too long to file your DI claim.

You Refused an Independent Medical Assessment

Not all disability insurance claims are denied due to complicated medical or legal reasons. Sometimes it might turn out that you simply took too long to file your DI claim.

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.  There are two scenarios here that might have happened:

The Evidence for Your Disability Was Insufficient

Even if you attend your Independent Medical Assessment and get a favorable result, the insurance companies might still doubt your condition. This usually leads to an additional consultation with a different specialist and a second, negative opinion.

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