Why Did the LTD Insurance Company deny my Claim?

In many cases, disability claims are wrongfully delayed or denied, causing hardship and stress to the policyholder. Most disability claims are denied due to an alleged lack of supporting medical or vocational evidence.

For example, you may have been diagnosed with lupus but the record does not show how it impacts your ability to work. While lupus may, in reality, be a disabling condition, the fact your record does not specify how your condition impacts your inability to perform simple work activities, it may prevent your claim from being approved. 

The insurance company is working hard with medical and vocational experts to deny your claim. The insurance company’s experts will often differ sharply from your treating physicians and will almost always conclude that you are not medically disabled.

While this is not fair, it is the way the disability process works. If you feel this has happened, contact me and I will help you obtain the benefits you deserve.

What to Do After a Disability Claim is Denied?

When a claim is denied, you should be provided an explanation of the denial and information about how to file an appeal. By law, you should be advised of any deadlines for appeal.

A disability insurance company must provide you with a copy of the entire record. The record includes many types of documents that are relevant to your claim, including medical reports, surveillance photos and videos, vocational records, expert examination reports, and any other evidence that was used to deny your claim.

If your long-term disability claim has been denied, you should contact me to discuss what is needed to have your claim approved.