Claim denials can happen for a variety of reasons. Below, we list the most common reasons for denial.
Your condition is not covered. Some policies cover more than others. It’s important to review the terms of your policy before applying for benefits in order to avoid a denial.
You did not provide enough medical evidence. Insurers want to make sure that you are unable to work if you receive benefits. Therefore, you must provide adequate evidence in order to be eligible for benefits.
The insurance company suspects you’re lying. Even if you’re telling the truth, an insurance company will go to great lengths to avoid paying a claim. If they think your actions contradict what you wrote on your application, they may deny the claim.