Long Term Disability Denials and Appeals

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 most long-term disability insurance policies require one or two internal administrative appeals. It may seem unlikely that the same insurance company that denied your claim will suddenly change its mind and …

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

Table of Contents Chapter 1: Is Your Disability Policy an ERISA Policy?Chapter 2: Appealing the Denial of Disability Insurance Benefits – ERISA PoliciesChapter 3: Non-ERISA PoliciesChapter 4: Exertion LevelsChapter 5: Understanding Your PolicyAbout the Author Introduction: Who Is This Guide For? Individuals who, due to illness or injury, can no longer continue to engage in …

Disability Insurance Appeal GuideRead More

The long term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” If you have been denied benefits, you should review your insurance policy to determine …

When You Have One Mandatory and One Optional Appeal After a Denial or Termination of BenefitsRead More

The long-term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” In other instances, LTD claims have been terminated after the insurance company conducts video …

When Only One Appeal is Available After a DenialRead More

The long term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months, when the definition of “total disability” under most policies changes from “own occupation” to “any occupation.” If you have been denied benefits, you should review your insurance policy to determine …

When You Have Two Mandatory Appeals After An LTD DenialRead More

You should not give up if the insurance company denies or terminates your claim for long term disability (LTD) benefits.  Most employees have disability insurance coverage through a group plan with a private-sector employer. If your employer is large enough, or if you obtained your policy through an employee organization or union, then ERISA rules …

How Many Appeals Can I File?Read More

Primary Reasons for a Technical Denial Pre-Existing Condition A long-term disability claim can be denied on the basis of a pre-existing condition. You will need to check your long term disability policy for the exact definition of a pre-existing condition, but most claims that are filed within one year from the date your policy became active …

What is a Technical Denial of a Disability Claim?Read More