Making an insurance claim is stressful. Even when you know you are entitled to benefits, it can still be unnerving to seek them from an aggressive insurance company. There are few things more frustrating than getting an insurance denial letter. The big companies must be held accountable for paying claims.
A denial letter is not the end of the road. You still have legal options available. To protect your legal rights and financial interests, it is imperative that you take immediate action. This starts with knowing how to parse a denial letter. Here, our Spokane insurance law attorneys highlight three key things to look for in a denial letter.
Insurance Claim Denied in Spokane? What You Need to Know
Confirm the Stated Reason for Denial of Benefits
An insurance denial letter should include the basic explanation of the insurer’s reasoning for not approving the claim. Their decision-making process should not be a “black box”; insurance companies should tell you exactly why your claim was denied. The stated reasoning matters. When you appeal, you need to directly address the reason for denial. Unfortunately, denial letters can be somewhat vague and difficult to parse. An experienced Spokane, WA insurance law attorney can review your letter and help you explain exactly what evidence/information you need to bring an appeal.
Record the Date of Denial and the Deadline to Respond
After looking for the reason why your insurance claim was denied, take a careful look at all of the dates and deadlines listed on the letter. Start by finding the date the letter was sent by the insurance company. Write the date that you actually received the letter. Next, record the deadline for filing an appeal. The insurance appeals process is governed by strict deadlines—and these deadlines vary based on the type of claim and specific details of your coverage. Make sure you submit an appeal before the deadline expires.
Know the Process for Submitting an Insurance Appeal
Insurance denial letters should also include some information about the appeals process and your rights/options. Washington state law requires certain details in denial letters. As an example, WAC 284-30-770 requires certain insurance carriers to provide specific language in denial letters explaining how policyholders can get comprehensive information about filing an appeal. If you have any questions about the appeals process, we encourage you to set up a free consultation with an experienced insurance law attorney. Your lawyer will be in the best position to help you craft a strong appeal and effectively navigate the claims process.
Was Your Insurance Claim Denied in Spokane, Washington?
Our attorneys can help. At Albrecht Law PLLC, our Spokane insurance lawyers are authoritative, knowledgeable, and experienced advocates for clients. We have the skills and tenacity to hold insurers accountable. Contact our law firm today for a free, confidential consultation. Our insurance law attorneys represent clients throughout Eastern Washington, including in Spokane County, Franklin County, Grant County, and Columbia County.