Short-Term Disability Lawyers in Minneapolis

Short-Term Disability Denial Attorneys

Although you may look to short-term disability insurance because you are worried about your bills after you cannot work for several months after an injury or illness prevented you from getting the paycheck you need. Obtaining this money is often not as easy as many people assume it will be. In fact, many times, even if you did everything right and filled out the application correctly, you can still get these benefits denied.

Thankfully, with the law firm of Mottaz & Sisk Injury Law taking on this issue on your behalf, you will not have to work through this devastating ordeal alone. Instead, our short-term disability attorneys can not only assist you in challenging these denials and disputes, but we can also go after the benefits you are owed under the law.

For instance, once our short-term disability appeal attorneys are hired, we can:

• Review all the available information you have, including the initial application, the denial letter, and the description of your plan benefits, so that we can determine what caused the denial.
• Review the insurance company’s explanation of their decision to deny your claim, including the rules and regulations they relied upon, and go over the information they provided you about any additional appeals process.
• Help you seek disability benefits after your initial denial, figure out what rights you have, and even assist you in going after past interest and attorney’s fees.

Best of all, our short-term disability insurance attorneys will try to take care of these issues without subjecting you to litigation, allowing you to focus on the things that matter most, including your healing and recovery.

Short-Term Disability Insurance Lawyers

Even though many people believe that insurance companies are there to help them to get the money they need when they need it most, such as after an injury or a disability prevents them from being able to work. This is not how insurance companies work. Insurance companies are a business, and like other businesses, they want to make money. This means that when these insurers offer you less money than you deserve or deny your short-term disability claim altogether, the more profit they can make in the long run. For these reasons, these companies will look for anything they can to use against you to deny your claim.

Fortunately, with Mottaz & Sisk Injury Law on your side, you will not have to take on these insurance companies alone. Instead, our short-term disability attorneys can:

• Provide you the legal support you need to determine whether you qualify for short-term disability, craft a compelling claim, and work towards the benefits you need.
• Handle all the discussions and negotiations with the insurance company.
• Protect your legal rights and fight for the benefits you deserve.
• Ensure that the appropriate forms and documents are submitted and there are no delays in filing this paperwork.

More importantly, our short-term disability insurance attorneys are here to answer all of your questions and concerns about whether you qualify for these disability benefits and offer you a free consultation to determine what legal steps you need to take next. For these reasons, do not wait to reach out to a short-term disability appeal attorney for further information.

What to Do if Your Short-Term Disability Claim is Denied?

Short-term disability typically acts as a safety net for workers and their families who need financial help during a challenging time in their life. However, when these claims get denied, the process of appealing them can become a tough and tedious ordeal.

In general, these short-term disability claims are often denied because:

• The condition is not covered: Before applying for short-term disability benefits, you first need to make sure your policy covers your condition. For instance, if you are looking for short-term disability benefits for childbirth by C-section, some policies may cover them while others will not. If the condition is not covered, your benefits application will likely get denied.
• No adequate medical evidence: Even if your condition or disability is expected to last for a short time, you are still required to obtain medical proof that will show that you cannot work. If the insurance company finds that you did not provide enough evidence to demonstrate this, they will likely deny your short-term disability claim.
• The insurance company does not believe you: Insurance companies will often investigate your claim to determine if you are telling the truth. For example, they may check your social media accounts, talk to your family and friends, and even follow you around to see if they can find anything that contradicts your application so that they can deny your claim.
• Not actively working: Almost every disability insurance policy requires that you be “actively at work” at the time the disability arises. Most of these policies even indicate that the coverage will continue if the disability arises on a regularly scheduled vacation, holiday, or weekend. However, issues often come up if the disability occurs while the insured is on a leave of absence, such as when they are not working because they are taking care of a sick family member.

However, if the insurance company denies you a short-term disability claim for any of these reasons, it does not necessarily mean your fight is over. You may be able to pursue an appeal to try to overturn this decision. Yet, when taking on this appeal, it is often in your best interest to work with an experienced short-term disability attorney. These short-term disability insurance attorneys can not only help you overcome this denial, but they can also go after the benefits and money you need.