Long-term disability insurance claims are usually denied because the claimant did not provide sufficient evidence – particularly medical records – for approval. This is why it is so important to double-check everything before you submit it.
- Did you provide the correct doctor’s names and addresses?
- Did you identify all other medical providers, such as physical therapists, mental health counselors, clinics, and hospitals?
- Did you provide the correct dates of service?
- Was all of your medical treatment documented?
- Were all of your resulting impairments noted?
- Was there enough good evidence to support the claim?
Most claims are denied due to simple mistakes that can lead to months of frustration for you. Some insurance companies will try to point out “bad facts” that are on your medical record. Bad facts in your records may include:
- Evidence of drug abuse or alcohol abuse;
- Notations of work activity after you said your disability started;
- A doctor notating that you are exaggerating your claim; and/or
- Inconsistent evidence in your file that you appear to be doing more than you claimed on your LTD application.
If you feel bad facts hurt your case, contact the Ortiz Law Firm. Although based in Florida, the Ortiz Law Firm represents claimants across the United States. If your LTD claim has been wrongfully denied, delayed, or terminated, and you’d like to speak to an experienced Long Term Disability Insurance Attorney, contact us online or call (888) 321-8131 to schedule a free consultation. We can help you evaluate your claim to determine if you can access long-term disability benefits and how to proceed with the process.