Working as a dental assistant can be both rewarding and physically demanding. The role involves a mix of clinical and administrative responsibilities. Unfortunately, when a serious health issue arises, this hands-on profession may become impossible. Understanding how to navigate a long-term disability claim is essential for protecting your financial future.
Job Overview
Dental assistants play a vital role in dental offices. It involves supporting dentists in patient care, preparing exam rooms, sterilizing instruments, taking x-rays, and assisting during procedures. They also handle administrative tasks like scheduling appointments, managing patient records, and providing pre- and post-treatment instructions. The job requires strong interpersonal skills, attention to detail, and the ability to work in a fast-paced, physically demanding environment.
Common Reasons Disability Claims Are Denied
Insurance companies deny long-term disability claims for a variety of reasons. Understanding why insurers deny claims can help claimants avoid them and prepare for a strong appeal if necessary:
- Insufficient Medical Evidence: If the claim lacks detailed medical records or fails to connect the condition to specific job limitations, insurers may assert the disability is not severe enough to warrant benefits.
- Subjective Symptoms: Conditions like chronic pain or fatigue that rely heavily on self-reported symptoms are often met with skepticism. Without objective evidence, these claims may be denied.
- Failure to Follow Treatment: Insurance companies may use gaps in care or non-compliance with treatment plans to justify a denial. They will argue that the claimant isn’t doing enough to improve their condition.
- Ability to Perform “Other Work”: Insurers sometimes claim that a claimant can do another job, even if it’s unrealistic given the claimant’s skills or medical restrictions.
- Pre-Existing Conditions: If the condition is deemed to have existed before the policy coverage began, the claim may be denied under a pre-existing condition clause.
If you’ve been denied long-term disability benefits and don’t know what to do next, you’re not alone. Click here to get a free review of your denial letter and find out if you have a strong case for appeal.
Appeal Strategies
If your claim is denied, a well-organized and comprehensive appeal can make a significant difference. Here are several strategies to strengthen your case:
- Gather Comprehensive Medical Records: Work with your doctors to ensure all records describe your symptoms and how they prevent you from working.
- Include Expert Opinions: Statements from your treating physicians, especially specialists, can support your claim.
- Vocational Evidence: A vocational expert can help show why you cannot work with your limitations.
- Consistent Symptom Tracking: A daily journal noting pain levels, mobility challenges, and emotional distress can reinforce your case.
- Legal Representation: A disability attorney can help avoid common mistakes and ensure you meet all deadlines.
Ready to take back control after your LTD denial? Download our free Disability Insurance Appeal Guide and start building your best case today.
Get Help with Your Long-Term Disability Claim Denial
If your long-term disability claim is denied, you don’t have to face the appeals process alone. An experienced disability attorney like Nick Ortiz can help you understand your policy, gather the necessary medical evidence, and build a strong appeal. With legal guidance, you can improve your chances of securing the benefits you deserve.
If you’re struggling with an LTD denial and need help with your claim, contact the Ortiz Law Firm for a free case evaluation. Call (888) 321-8131 today to get help appealing your denial.
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