As some readers in Wisconsin may know, certain individuals are able to seek federal disability benefits. However, even if an employee has adhered to the relevant guidelines for applying for long-term benefits, he or she might still be refused coverage. Many long-term disability benefits policies are handled directly by an employer or purchased as insurance. However, some insurers might not immediately provide benefits to an eligible employee.
Often, a worker seeks disability after suffering in accident or illness that prevents him or her from continuing to work and earn wages. In some cases, the worker might also apply for those benefits while suffering from a chronic condition. If those employees are denied benefits, it might suggest that insurance bad faith exists. In such cases, an insurer might deny both illegitimate and legitimate claims for benefits.
In addition, while many individuals who suffer from chronic fatigue or pain, fibromyalgia, lupus and immune dysfunction syndrome are entitled to payouts, insurers may try to fight the worker’s claim because of the difficulty involved in proving that these conditions are present. Insurance companies might be less inclined to dispute an injured person’s claim if the condition in question is supported by diagnostic tests, including MRI scans and X-rays.
Information that could help a person who is disputing a denial of long-term benefits by an insurance company is available on our website. The link discusses different ways that an attorney could help a client involved in such a dispute, and the material describes possible insurance bad faith, explaining different issues that might be evidence of the issue.