Common Reasons for Rejection

• Insufficient medical evidence: Claimants must provide comprehensive medical evidence to support their claim. If the evidence is incomplete or inadequate, the claim may be rejected.

• Failure to meet policy definitions: TPD policies have specific definitions of disability. If the claimant’s condition does not meet these definitions, the claim may be rejected.

• Pre-existing conditions: If the claimant had a pre-existing condition before taking out the policy, the claim may be rejected.

• Non-disclosure: Failure to disclose relevant information, such as pre-existing conditions or previous claims, can result in a rejected claim.

• Lack of objective medical evidence: Claimants must provide objective medical evidence, such as test results or medical reports, to support their claim.

Other Factors Contributing to Rejection

• Delays in submitting claims: Claimants must submit their claims within a specified timeframe. Delays can result in a rejected claim.

• Inadequate documentation: Claimants must provide all required documentation, including medical records and proof of income.

• Policy exclusions: TPD policies may have exclusions, such as exclusions for certain medical conditions or occupations.

Tips for Avoiding Rejection

• Carefully review policy terms and conditions: Claimants must understand the policy definitions and exclusions.

• Provide comprehensive medical evidence: Claimants must provide all required medical evidence to support their claim.

• Disclose all relevant information: Claimants must disclose all relevant information, including pre-existing conditions and previous claims.