Disability Claim Denials, Is This the Wrong Time to Be Disabled in America?

Health Insurance Claim Form 1500 Instructions - Disability Claim Denials, Is This the Wrong Time to Be Disabled in America?

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14 million group safety disability applications were denied in a single decade, between 2000 and 2010, while the division of denials escalated from 34 percent to 65 percent. Is this the wrong time to be disabled in America?

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Health Insurance Claim Form 1500 Instructions

Note the following headlines:

Federal Disability Traffic Jam The Washington Times

Soldiers risk ruin while awaiting benefit checks linked Press

Disability Claims can be tough to accumulate Wall road Journal

It's time to stop billions of dollars of disability benefits from being denied, unnecessarily.

Does the Disability safety Net have holes in it? If more than 60 percent of group safety disability claims are denied initially, then why are 63 percent approved at the hearing stage? What causes the turn around? Unfortunately 39 percent of claimants give up before determining if they would be successful going through the request for retrial process!!

1.2 million group safety Disability applications were filed in 1999 (48 percent of 579,000 were declined). In 2009, ten years later, 2.8 million group safety Disability applications were filed (and 65 percent or 1,830,530 were declined). The whole of disability applications more than doubled while denials more than tripled. In one year, more than Trillion dollars of annualized benefits were lost. That's 1.8 million Americans who won't accumulate benefits they plan they were entitled to.

Based on the 2010 average cost to those who qualify, that represents more than .5 million of monthly benefits that won't be paid. Annualized, + trillion dollars per year is an fabulous whole of disappointment.

Many first disability claims are denied for simple mistakes and omissions which have really nothing to do with the claimant's disability status. Think about what it is like to wait 17 months to hear you didn't acknowledge one question. Then you can wait another 17 months after you've added one simple answer. There must be a good way. Those facing claim denials are filing an unprecedented whole of appeals burdening the already damaged law even more. With an average of nearly 17 months waiting for a judge to hear their appeal, what's happening in the meantime?

Currently there's three-quarters of a million Americans stuck in the group safety disability backlog. Not being able to pay their bills causes the man of the house immense reasoning anguish. The state of marital relationships in these situations deteriorates rapidly. Soon our disunion courts will be experiencing the same type of backlog the group safety management is now facing.

Is this the wrong time to be disabled in America? Tens of millions of dollars in disability benefits go unpaid by secret insurers. Over 40 states jointly investigated how one insurer handles their disability claims. another state set up a law to seek the handling of every rejected claim. What led to the dramatic turn in the handling of disability claims? Or has anyone changed at all and there's just more adverse publicity?

As reported in Usa Today... 22,500 Veteran's Ptds disability claims denied as personality disorders. How is it inherent that a personality disorder, assuming it existed prior to military service, is diagnosed when psychological evaluations aren't done prior to induction?

According to the data obtained through the relaxation of data Act, more than 25 percent of Iraq and Afghanistan vets seeking care at the Va have Ptsd. And this statistic doesn't comprise the mentally ill vets who haven't had rehabilitation at the Va due to the stigma linked with Ptsd. In the meantime, families go on welfare and food stamps. Homes are being foreclosed. Drugs and alcohol disrupts any hope for family harmony. Homelessness occurs! Suicides begin to take lives that the battlefield didn't.

One very simple yet insurmountable obstacle is the application process itself. The Va has a long history of bureaucracy. The disability claim form itself is a 23 page document. How many vets are accustomed to 23 pages of paperwork? The word "intimidation" comes to mind as a think many veterans will never file a claim. A claim for benefits they were eligible for.

Each year Trillons of dollars in Insurer, group safety and Veterans management disability claims Will continue to be denied. It's imperative the claimants understand how to correctly file a Long Term Disability claim, "doing it right" the first time and dramatically enhancing the likelihood of collecting benefits.

The U.S. Census Bureau recently projected a 75 percent increase in the age 65+ population by 2030. That will increase the whole of age 65+ Americans to 69 million, more than 20 percent of the whole population. An aging population brings with it an self-operating increase in the disability "Tsunami". Since the Americans with Disability Act military disability insurers to continue disability coverage to those over age 65, an older workforce guarantees more claims.

We haven't seen any valid creditable source that has identified any think for the escalating rate of claim denials or what we'll call disability claim "deterioration". Hence, I can offer what I believe is happening in the backrooms of the insurers claims departments.

Americans currently face the top unemployment level we've experienced over the last three decades. The current state of the cheaper has impacted our American workforce in disastrous proportions. There's a natural escalation of disability claims incidence with increasing unemployment.

Mortgages are being foreclosed at an unprecedented rate. Any states have begun to deny previously valid claims as Medicaid budgets have come to be overwhelmed. Is it any wonder that the cost of curative care, and not being able to pay for it, is the largest cause of mortgage foreclosures?

To continue, we now have causes of disability that didn't exist two decades ago. Carpel tunnel and continuing fatigue syndrome are being diagnosed more than at any other time in our history. When we add fibromyalgia to the new list, we have an evolving qoute that's creating a nightmare for the disability insurers. These are known as "self reported" disabilities in that there's no definite curative testing that can diagnose these conditions. It's easy to understand how disability claim examiners can mistrust "self reported" symptoms. This makes it an onerous process for those who are truly adversely productive by one of these conditions from collecting benefits they're entitled to.

In summary, we now face a dramatic increase in the 20 percent of the population in an older age group. They're still working with an increasing incidence of disability. Unemployment compounds the qoute even more. And adding new causes of disability and our litigious society results in more Promises Unkept.

Allan Checkoway

Copyright 2011

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