Imagine making it nearly to the end of your short-term disability (STD) benefit period—only to have your benefits denied with just a couple weeks to go. It’s a discouraging situation that many claimants face. Not only does the denial cut off a vital source of income, but it can also create doubts about pursuing long-term disability (LTD) benefits. It can be especially concerning if you’re unsure where to turn for help.
If this sounds familiar, you’re not alone. A long-term disability attorney at the Ortiz Law Firm can help.
Why Would an Insurer Deny Benefits So Late in the STD Period?
Insurance companies may decide to stop paying STD benefits before the maximum benefit period for several reasons:
1. Claim Reassessment: Sometimes, insurers conduct a review of your claim midway through the benefit period. If they decide you no longer meet the policy’s definition of disability, they may cut off benefits—even if nothing has changed in your condition.
2. Insufficient Ongoing Medical Support: Insurers want regular documentation showing that you’re still treating and unable to work. If medical updates taper off, or if a doctor expresses optimism about your recovery, they may take it as justification to end benefits early.
3. Administrative Cost-Cutting: Toward the end of an STD claim, especially if the LTD claim is looming, some insurers may try to cut losses by ending the claim early. This can unfortunately be a tactic to avoid paying additional weeks of benefits or to set up a denial of future LTD coverage.
Don’t Let a Denied STD Claim Stop You From Pursuing LTD Benefits
It’s understandable to feel defeated after an STD denial—especially so close to the finish line. But giving up on a long-term disability claim could cost you much more in the long run. The LTD benefit period can extend for years, depending on your policy.
Even if your STD claim was denied, you can still apply for LTD. Just be prepared: the insurance company may reference the STD denial in reviewing your LTD application, so it’s important to provide strong medical evidence and documentation from the outset.
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