For millions of Americans and workers in California, receiving medical in retirement benefits is vitally important. Nobody should ever have to experience being denied the medical or retirement benefits that they were promised by their employer. At the Rager Law Offices, you can count on us to help when you need a denial of medical & retirement benefits attorney. We will investigate your claim to secure any compensation you are entitled to.
Wrongfully denied health insurance claims
Insurance companies are notoriously difficult to deal with, and they have one focus – to ensure maximum profit. They achieve this by paying as little as possible for legitimate claims. In many cases, they even deny health insurance benefits. The main reason that an insurance company will deny health insurance benefits is if they consider the medical procedure to be:
not medically necessary
Other common reasons that Long Beach medical and retirement benefits may be denied include the belief by the insurance carrier that:
the injuries sustained were not serious enough to cause a disability
the employee is exaggerating the injuries to keep from working
the findings show that the employee is not experiencing the pain that they claim
Illegal discrimination when it comes to medical & retirement benefits
If you are offered medical insurance through your employer but are denied coverage, you will have to appeal the insurance company’s decision. Employees have a right to file a lawsuit, and they also have protections under the Patient Protection and Affordable Healthcare Act (ACA).
Employees cannot be discriminated against by their employer or the insurance company on the basis of certain protected characteristics, including age, gender, race, and ethnicity, etc. The law also prohibits retaliation from employers and insurance carriers for reporting ACA violations. Employees may also be able to file a lawsuit if their employer cuts their hours in order to avoid health coverage.
What about independent medical examiners?
Independent medical examiners are often hired by the retirement system to evaluate applications for benefits. These “independent” physicians are supposed to evaluate claims submitted by the retirement system, insurance carriers, and workers’ compensation carriers. In some cases, these doctors may deny certain benefits in order to keep patients coming back, which is why it is important to get a copy of your initial evaluation after the doctor evaluates you. If your benefits end up getting denied, this document could help as evidence for your Long Beach denial of medical and retirement benefits case.
Let us help you through this
If you or somebody you love has been denied medical or retirement benefits by an employer, seek legal assistance as soon as possible. The team at the Rager Law Offices is ready to investigate your case and work to secure any compensation or benefits you are entitled to. For these cases, this could include: