Denied Disability Claims: What's Next?

Facing a serious health condition that forces you out of work can be an emotionally taxing journey. Having private long-term disability (LTD) insurance can provide a sense of security, but navigating the claims process can add to the stress – especially when you're also managing your health.

HHP Law Group's disability lawyers are here to ease the burden. Whether it's filing your initial claim or appealing a denial of benefits, we are dedicated to securing the benefits you rightfully deserve, offering guidance and support throughout the process.

What Conditions Qualify for Disability Insurance Benefits?

LTD insurance claims arise from physical, mental, or emotional impairments that hinder an individual's ability to work for a long period of time. Policies, however, can vary widely in their definitions of disability.

If you suffer a disabling injury or illness, you can request policy information to help determine whether you are eligible for coverage and which benefits you can receive. Common eligible disabilities include:

• Different forms of cancer

• Neurological disorders such as multiple sclerosis and Parkinson's disease

• Mental illness, such as depression and bipolar disorder

• Cardiovascular issues

• Immune system disorders, such as lupus and HIV

• Complex Regional Pain Syndrome

• Respiratory illness, such as asthma

• Digestive tract conditions, such as inflammatory bowel disease

• Kidney disease

Why Was My Disability Claim Denied?

When insurance companies assess a long-term disability claim, they weigh numerous crucial factors. The accuracy and timeliness of information provided are paramount, as any inaccuracies or missed deadlines can lead to the unfortunate denial of a claim.

To begin the process successfully, it is vital to review your policy to confirm your eligibility for benefits and ensure that all forms are completed with precise details regarding your disability. Engaging the services of disability lawyers can be invaluable in this regard, as they can guide you through the process, guaranteeing the submission of a comprehensive claim supported by essential evidence, all while adhering to critical deadlines.

Claims often encounter denials for several common reasons:

• Your medical condition falls outside the policy's coverage or is classified as a pre-existing condition.

• You haven't satisfied the waiting period (commonly known as the elimination period).

• You are not consistently receiving medical treatment for your condition.

• You have insufficient medical evidence and documentation

• You missed deadlines or there are errors in your claim.

It is essential to be well-informed and meticulous when pursuing an LTD claim to maximize your chances of approval.

How to Appeal a Long-Term Disability Claim Denial

If you've recently faced the disappointment of a long-term disability benefits denial, don't give up. All LTD policies provide for one or even two administrative appeals, offering an opportunity to challenge a wrongful denial of disability benefits.

To navigate this process effectively, consider the following steps:

• Read the Denial Letter. Begin by carefully examining the denial letter you received. It should provide insights into the reasons for the denial and the timeline for appealing.

• Request Your LTD Claim File. Request a written copy of your claim file from your LTD insurance company. These files can be extensive – often exceeding a thousand pages – and include context to help you understand the reasons behind the denial and identify any necessary additions to support an appeal.

• Gather Supporting Evidence. Collect comprehensive medical records, treatment history, and any additional evidence that supports your claim for disability benefits. A strong evidentiary foundation can significantly improve your chances of success.

• Consult with a Long-Term Disability Lawyer. Engaging the services of disability lawyers can mean the difference between a successful appeal and another denial. They can assess the denial, advise you on the best course of action, and help build a compelling case for your appeal.

Work with Long-Term Disability Lawyers Today

You should not attempt to file a disability claim denial appeal on your own, no matter how easy the insurance company makes the process seem. The insurer may mislead you into unknowingly committing errors that can jeopardize your claim.

When you're entitled to the long-term disability benefits you've paid for, it's essential not to take any chances. Instead, consider working with disability lawyers who can advocate for your rights.

At HHP Law Group, our disability lawyers are committed to helping you achieve favorable outcomes and securing the maximum benefits you rightfully deserve. You won't have to face this battle alone; we'll stand by your side throughout your case. Contact us today for a free consultation.