Insurance companies often use “boilerplate” language when denying a long-term disability claim. Boilerplate language refers to a long-term disability denial letter that uses standard, pre-written language or a generic explanation rather than a detailed explanation specific to the individual’s claim. Boilerplate denials are often generic and do not provide specific information to explain why the claim was denied. Insurance companies use this language to save time and resources in the claims review process.
For example, a boilerplate denial may state that the claim does not meet the policy’s requirements without explaining why the claim was denied or providing any specific information on how the policy requirements were not met. Boilerplate denials can be frustrating for claimants trying to understand why their disability claim was denied and what steps to take to appeal the decision.
More importantly, the boilerplate language used in the long-term disability denial letter may not even apply to the claimant’s individual claim!
Insurance companies issue many different versions of disability insurance policies to different employers. Even a policy with an individual employer may change from year to year. Although rare, this sometimes causes insurance companies to accidentally quote policy language not even in the claimant’s policy!
If your long-term disability denial letter supposedly includes language from your policy, you should verify that the insurance company actually relied upon the correct policy language. The company may have quoted language that is not actually in the policy, or there may be a difference in the wording. It may seem minor, but that could make a major difference to the outcome of your claim.
A National Long-Term Disability Attorney Can Review Your Denial Letter and Insurance Policy
If your long-term disability claim is denied, don’t panic. Attorney Nick Ortiz can review your denial letter and insurance policy to determine if the denial was legitimate. He will assess the evidence, identify insurer violations, and build a strong appeal. With expertise in disability law and insurance policies, he can fight for the benefits you’re owed. Call Ortiz Law Firm today at (888) 321-8131 to get your free case evaluation with a national long-term disability attorney.