If you have unfortunately received a letter of denial regarding your disability insurance benefits from the state of California or the federal government, the good news is that you still have a chance to appeal it and hopefully receive your rightful benefits. You may even able to file for multiple appeals. Of course, you want to make sure that you get your request right the first time. Thus, the following includes further information oaboutn how you can go about appealing your disability insurance denial claim.
Beginning the appeal process
Your appeal process begins the minute you have in your possession the letter that states that your long-term disability insurance claim denial has been looked over and denied. In that package, you will also receive a letter detailing why your claim was rejected. In fact, you may even request copies of the documents used to make the decision for your claim. In addition, it will also state how you can begin the process to appeal the claim.
Levels of appeals
You may be surprised that there are four levels of appeals at your disposal. This is done to ensure that multiple parties look over all information and that the final decision made is one that has covered all the accurate evidence. The following are the four levels of appeals:
- Appeals council
- Federal court review
Do not wait too long
Although you have many options for your appeal, what you don’t have is an unlimited amount of time. For example, some claim denials must be appealed within 60 days of receiving your rejection letter. Once those 60 days have passed, you are essentially forfeiting your right to appeal at a later date.
Filing an appeal can be a complex process to go through alone. That is why it is highly recommended to consult with an attorney before filing any form of appeal to help you obtain the benefits you deserve.