You’ve been trying to follow the disability laws and work with your insurance company to get disability, but they are making things difficult. No surprise there. After all, they may “work for you,” but in reality their job is to limit payouts as much as possible.
It may have gotten to the point that you finally had to say no to all of the hoops that they were having you jump through. And you were feeling pretty good about taking a stand, until you got a letter from them saying that you were “non-compliant” and that they’re refusing your claim. Can they do this? Unfortunately, the answer is yes, but there are ways around it.
Understanding Non-Compliance in Disability Laws
First things first, you need to understand non-compliance. This term means that the disability insurance company has asked you to do something and you refused. Generally speaking, insurance companies use this law when a patient doesn’t follow their disability doctor’s advice about taking medication or decides not to undergo recommended treatment. You can’t just do this on a whim or you risk harming not only yourself, but your chances at winning your claim.
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Valid Reasons for Non-Compliance Covered
However there are ways around being accused with non-compliance – or at least ways to prove that your decision was based on something reasonable and valid.
You don’t have money. It’s all well and good for your doctor to prescribe an expensive medication in order to treat your condition, but if you’re not raking in the big bucks, how can you be expected to pay for it? The answer is, you can’t, and if you’re not taking your medication because you can’t afford it, the insurance company can’t accuse you of non-compliance.
You’re worried about the danger. Just because your disability doctor recommends that you take a certain medication or have a particular procedure done doesn’t mean that your safety is guaranteed. If you believe that the risks outweigh the rewards and can put together a valid argument against it, no one can make you undergo surgery or anything else that’s medically dangerous.
For a more complete overview of how the disability laws can be used to protect you and help you prove your disability claim visit our website.
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