So many of our readers are ready for the weekend. Memorial Day marks the unofficial start of summer, and while some commemorate it by remembering those who lost their lives defending our freedom, others will gather with family and simply enjoy quality time together.
For those suffering from debilitating injuries and are waiting on an insurer to make good on their promise, holiday weekends can be particularly disappointing. It may be especially poor when you have not heard from your insurer or receive terse or ambiguous answers to your questions. Unfortunately, delays and distractions are common business practices for insurers. Sometimes these tactics violate state and federal law, but it is not always easy to know when legal action should be taken.
This post will highlight a few clues to look for with an insurer’s communications.
No reasons for a denial – Your insurer is supposed to provide specific reasons for a denial, not only because it may be required by your policy, you must have a detailed information so that you can lodge a proper appeal.
No description of additional materials – Again, having specific information about what else is needed to process your claim is essential. If you don’t know what is required, the more likely your claim will be denied due to non-compliance, and the insurer can claim plausible deniability.
No reason for additional information – In the same vein, not providing a reason for requiring additional materials or information can be confusing and wasteful. While this may a sign of a duplicate request, it may also work against you in terms of limiting the amount of time you have to appeal a denial.
Nevertheless, if you receive these types of cryptic requests, getting an experienced disability law attorney involved may be your next step. We invite you to contact us if you have questions.
The preceding is not legal advice