Insurance companies routinely deny legitimate disability claims, often relying on in-house or insurer-hired doctors whose evaluations may be influenced by a conflict of interest. This practice undermines the fairness of the claims process and jeopardizes the well-being of countless individuals.

The Problem:

• High Denial Rates: Approximately 60% of long-term disability claims are denied, according to the Social Security Administration. Similarly, nearly 67% of initial Social Security Disability Insurance (SSDI) applications are denied nationwide.
• Conflict of Interest: Insurance companies often employ or contract with doctors who review claims. These doctors may never examine the claimant and may be financially incentivized to deny claims, raising serious concerns about impartiality.
• Lack of Independent Evaluation: Many insurers rely on paper reviews, where decisions are made based solely on medical records without a physical examination of the claimant. This approach can lead to inaccurate assessments and unjust denials. 

The Solution:

We demand that all disability insurance claims be evaluated by independent, board-certified specialists who have no financial ties to the insurance company. This measure would ensure unbiased, thorough, and fair assessments for all claimants.

Why This Matters:

• Protecting Vulnerable Individuals: Many claimants are already facing significant health challenges. Unjust denials can exacerbate their conditions and financial hardships.
• Ensuring Fairness: Independent evaluations would promote a more equitable system, where decisions are based solely on medical evidence.
• Restoring Trust: Implementing this change would help rebuild public trust in the disability insurance system, ensuring that it serves the needs of those it was designed to protect.
• Access to Legal Support: Claimants should have the right to consult a long term disability lawyer if their claim is unfairly denied, ensuring they receive proper guidance and advocacy.

Sign this petition to urge lawmakers and regulatory bodies to mandate independent medical evaluations for all disability claims. Together, we can create a fairer system that prioritizes the health and well-being of individuals over corporate profits.