My Short-Term Disability Was Denied: What Can I Do?


Short-term disability insurance is sometimes provided by employers as part of a benefits program for employees. If you are unable to perform your duties at work due to an injury or other affliction, short-term disability can provide help to pay for bills until long-term disability insurance kicks in. If your claim for coverage is denied, it does not necessarily mean that the process is over.

Appealing a Claim

When your short-term disability insurance claim is denied by the carrier, you have the right to appeal this decision. In many cases, the insurance company denies the initial claim if an element of the filing does not suit the adjuster. You may simply need to appeal the claim and provide additional information to receive financial support.

Meeting the Deadline

When your claim is denied, the insurance company sends a letter explaining the details behind the denial. In the letter, the insurance company also provides a deadline for appealing the claim. You must meet this deadline if you want to have a shot at winning an appeal. Most of the time you'll have at least 60 days to appeal the claim. If you miss the deadline, you will not be able to appeal.

Legal Representation

If you feel that your claim was unjustly denied, you may want to hire a lawyer to help with the process. Many lawyers specialize in dealing with insurance companies and they know how to work with them. Lawyers charge fees, of course, but their professional expertise might make all the difference.

Strengthening Your Case

When you file an appeal, you must strengthen your case as much as possible. Go back over your claim and make sure that all of the necessary documents are included. In some cases, you might have forgotten something simple. Letters of support from medical professionals or other parties involved in your case are always helpful.

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