Broadspire Long-Term Disability Denials and Appeals

If Broadspire has denied or stopped your long-term disability benefits, you’re not alone—and you’re not out of options. Navigating a Broadspire denial is complex, with strict ERISA deadlines and confusing procedures that can put your financial security at risk. A missed deadline or incomplete appeal can cost you the benefits you’ve earned.

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Why Choose Ortiz Law Firm for Broadspire Disability Appeals?

Attorney Nick Ortiz focuses exclusively on disability claims, including Broadspire-administered policies. With years of experience helping clients nationwide, Ortiz Law Firm has successfully challenged Broadspire and similar claim administrators, achieving results for individuals just like you.

What you can expect from our team:

• Specialized Expertise: We understand Broadspire’s processes and how to fight denied or terminated claims.
• Personalized Support: You’ll work with our experienced team from appeal through potential litigation.
• No Fees Unless We Win: We offer a free case evaluation, and you pay nothing unless we recover benefits for you.

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Act Fast: Your Time to Appeal Is Limited

Most Broadspire appeals are governed by the Employee Retirement Income Security Act (ERISA), which typically gives you 180 days to appeal a denial. Once that deadline passes, you may lose your right to challenge Broadspire’s decision entirely.

If you have questions about your deadline or your options, reach out immediately so we can help protect your rights.

Common Reasons Broadspire Denies Long-Term Disability Claims

Broadspire often relies on a familiar set of arguments when denying or terminating long-term disability benefits. Understanding these common reasons can help you anticipate issues and strengthen your appeal.

• Insufficient Medical Evidence: Broadspire may claim your records do not objectively support the severity of your condition or fail to prove functional limitations that prevent you from working. This often happens when treatment notes focus on diagnosis but not work-related restrictions.
• Reliance on File Reviews or Paid Medical Consultants: Rather than requesting an in-person examination, Broadspire frequently relies on “paper reviews” performed by doctors who have never examined you. These reviewers may downplay symptoms or selectively cite medical records to support a denial.
• Failure to Meet Policy Definitions of Disability: Many denials occur during transitions in the policy’s definition of disability, such as the shift from “own occupation” to “any occupation.” Broadspire may assert that you can perform alternative work, even if it is unrealistic given your education, training, or medical limitations.
• Alleged Non-Compliance with Treatment: Claims may be denied if Broadspire believes you are not following recommended treatment, even when treatment options are limited, ineffective, or medically inappropriate.
• Surveillance or Activity Reviews: Broadspire may rely on surveillance, social media reviews, or isolated activities to argue that your reported limitations are inconsistent with daily behavior.

A denial does not necessarily mean your claim lacks merit. In many cases, it reflects gaps in documentation, incomplete functional evidence, or Broadspire’s interpretation of the policy rather than your true ability to work. A well-prepared appeal can directly address these issues and significantly improve your chances of success.

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How We Help with Broadspire LTD Denials

Nick Ortiz can help you:

• Challenge Broadspire’s denial of individual or government LTD benefits
• File strong ERISA appeals with all required medical and legal evidence
• Pursue litigation if your final appeal is denied

Call (888) 321-8131 or request a free case evaluation today.

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Free Resources for Broadspire Claimants

• Denied LTD Benefits? Get a Free Denial Letter Review: Request a free, no-obligation review of your denial letter from an experienced attorney so you understand your options before deadlines expire.
• Claim Help e-Book: Download a free guide covering common mistakes that can derail Broadspire LTD claims—and how to avoid them.

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Building a Strong Broadspire Appeal

Successfully overturning a Broadspire-managed disability claim denial requires more than just sending a letter. A persuasive appeal is built on evidence that directly addresses the reasons Broadspire gave for denying your claim.

Key components often include:

• Comprehensive Medical Evidence: Collect detailed medical records, physician statements, and any relevant test results that thoroughly document your disability and how it impairs your ability to work. Strong medical support is often the foundation of a successful appeal.
• Functional Assessments: Including statements from your healthcare providers about specific work restrictions and the impact of your condition on daily functioning can make a significant difference. The more specific and detailed, the better.
• Vocational and Occupational Evidence: Sometimes it helps to include statements or reports from vocational experts, especially if your occupation involves unique demands. These reports can clarify why you’re unable to perform your past work or any work.
• Administrative Documentation: Make sure all claim forms, employer statements, and communication with Broadspire are organized and submitted promptly. Consistency and accuracy in your paperwork are key.
• Legal Arguments: An effective appeal positions your case clearly within the context of your policy terms and relevant ERISA regulations. A seasoned disability attorney, like those at Ortiz Law Firm, knows the terminology and arguments that resonate with both insurers and the courts.

If you’re struggling after a Broadspire denial, our team can help you gather the right evidence and submit a thorough appeal within the required timeframe.

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Why Broadspire May Not Prioritize Your Best Interests

Broadspire administers disability claims on behalf of insurance companies and employers. That structure matters. The claim administrator’s role is not to advocate for claimants—it is to manage claims in a way that aligns with the insurer’s financial interests.

As a result, Broadspire may scrutinize claims aggressively, rely on paid reviewing doctors, or interpret evidence narrowly. This makes it especially important to approach a Broadspire denial strategically and support your appeal with detailed, consistent documentation.

How Legal Help Strengthens Your Broadspire Appeal

Facing a Broadspire disability denial can feel overwhelming, but experienced legal guidance can significantly improve your position. An attorney can review the denial letter line by line, identify the exact reasons for denial, and build an appeal that directly addresses those issues.

Legal support can help by:

• Building a stronger record with targeted medical, functional, and vocational evidence
• Avoiding costly mistakes like missed deadlines, incomplete submissions, or inconsistent reporting
• Leveling the playing field against the tactics claim administrators use to reduce or deny payouts
• Reducing stress by guiding you through each step and handling communications where appropriate

With the right legal support, you give your appeal its best chance for approval—while you focus on your health.

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Talk to a Disability Lawyer About Your Broadspire Denial

If Broadspire has denied or terminated your long-term disability benefits, don’t wait. Deadlines are strict, and the evidence you submit during the appeal can have long-term consequences for your claim. Ortiz Law Firm can help.

Call (888) 321-8131 to request a free, no-obligation case evaluation.