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Disability Insurance: Appeals

Step 7. If Your Appeal Is Turned Down Again, Don't Give Up

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If the appeal is turned down, ask the company to consider another appeal.

  • If it agrees, follow the above procedure all over again, knowing that it is more important than ever to find new information that will change the minds of the decision makers. Without substantial new information it will be difficult to change the opinion of the insurance company since they've already denied the claim twice now.
  • Consider working with an attorney or other qualified expert to at least supervise your appeal or to take it over entirely.
  • Consider complaining to the regulatory authorities, which will probably be your state's Department of Insurance. [See Complaining to the Regulators]. This should be done even while making a second appeal. This step has not been recommended earlier because the State Insurance Departments are not always very helpful in such complaints. Departments of Insurance tend to be more helpful if the question is about the meaning of a policy provision than if the question is a disagreement about the import of medical evidence. Still, a complaint to your state Insurance Department must be taken prior to any court action to show that you have tried every means possible prior to court action.

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