Denied
A denial is the insurer's first answer
It isn't the last one, and it isn't a judge's.
Insurers deny claims over the date, the cause, a preexisting condition or a late report. Some stop paying after a doctor they chose says you can work. Each of those can be argued, and the clock on arguing it is short.
Bring me the letter and the date it arrived.
I take cases that look like
A denial letter
An insurer's exam report
Checks that stopped or got smaller
A claim that was never answered
After a no
The road from a denial to a hearing
- 01
Step 1: Read it closely
The letter says why. I compare that reason with your records and the insurer's own file.
- 02
Step 2: File the request
I ask for a hearing before the deadline in the letter, and I ask for what your doctor has already put in writing.
- 03
Step 3: Build the record
Doctor's statements, work history and witnesses go in before the hearing, because the judge decides on what's in front of them.
- 04
Step 4: Go to the hearing
You testify, I question, the judge decides. Many claims settle before that day; I'll tell you what I'd accept and why.
About denials
How long do I have to challenge a denial?
The letter or the law sets a deadline, and it is often a matter of weeks. Call as soon as the letter arrives.
The insurer's doctor said I'm fine. Is that the end?
No. Your own doctor's opinion counts, and a judge weighs both. We get yours in writing.
Will I be paid while the appeal runs?
Sometimes, sometimes not. It depends on what was approved and what was cut. I'll tell you what to expect for your claim.
What if I missed a deadline?
Tell me anyway. Some deadlines have exceptions, and I'd rather check than guess.
Hold on to that letter
Send it to me, with the date it came. I'll read it before I say anything else.