Long Term Disability Denials and Appeals

If you’ve had a long term disability (LTD) claim denied, it’s natural to feel frustrated and overwhelmed. However, a claim denial isn’t the end of the road. You have the option to appeal, and many claimants successfully reverse denials through the appeals process. Appealing the denial of a long term disability claim for benefits under …

How to Win a Long Term Disability Appeal: Do’s and Don’tsRead More

Today, we will talk about the three steps you should take if you’ve been receiving long term disability benefits that have been terminated by the insurance company. The first thing you need to do is request your claim file from the insurance company. Make sure the request is broad and asks for absolutely everything in …

3 Steps You Must Take Right Now If Your LTD Benefits Are Terminated!Read More

How will a federal judge make a decision about an ERISA lawsuit? There are two standards of review in ERISA cases: (1) the de novo review standard and (2) the arbitrary and capricious standard (also called the “abuse of discretion” standard). The judge will determine which standard applies to your disability based on the language …

The Standard of Review in ERISA Long Term Disability LawsuitsRead More

Today I want to talk to you about what to do after you receive your final denial letter from a long-term disability insurance company. When I say final, what that means is when you file for long-term disability benefits, if you’re denied, you usually have a right to at least one, if not two, appeals. …

What To Do After The Final Long Term Disability DenialRead More

Insurance companies often use “boilerplate” language when denying a long term disability claim. A boilerplate insurance denial refers to a denial of an insurance claim that is based on standard, pre-written language or a generic explanation, rather than a detailed explanation specific to the individual’s claim. This language is often used by insurance companies in …

Did Your Disability Insurance Company Apply the Proper Policy Language?Read More

When applying for long term disability (LTD) insurance benefits, you need to be aware that many claims are denied. Even if your disability insurance claim is initially approved, you need to be aware that your insurance company can terminate – or cut off – your benefits. If the insurance company decides that you are no …

Top 10 Reasons Your Long Term Disability Claim Will Be Denied or TerminatedRead More

You should not give up if your claim for long term disability (LTD) benefits is denied.  It is not unusual for an insurance company to deny disability claims, and you have the right to appeal the decision. Sometimes, claimants are “put on claim” and receive benefits after the appeal process—but not often. The internal appeal process …

How to Appeal a Long Term Disability Denial: Advice for Your AppealRead More

When a long term disability claim is wrongfully denied or terminated most claimants are required to file at least one appeal. In this article, we will discuss why most appeals suck, our process to prepare for the appeal, and how to write a long-term disability appeal letter if you decide to move forward without an …

How to Write a Long Term Disability Appeal LetterRead More

There is a reason why many people receiving long-term disability benefits become concerned about their coverage after two years: most long-term disability insurance policies have a number of limitations that allow the insurance company to terminate certain claims after benefits have been payable for twenty-four months or two years.  Changes in the Definition of …

Why Are Long Term Disability Claims Terminated After Two Years?Read More