Long Term Disability Denials and Appeals

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

When a long term disability claim is wrongfully denied or terminated most claimants are required to file at least one appeal. Before we get into how to write a long term disability appeal letter we’ll discuss what you shouldn’t do. Why Most Long Term Disability Appeals Suck! When most people file a long term disability …

How to Write a Long Term Disability Appeal Letter & Why Most Appeals SuckRead More

Tips on How to Appeal a Long Term Disability Denial 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 …

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

Any number of medical problems could keep you from being able to continue with full-time employment. You may have a major physical impairment like a chronic back pain disorder, a major mental impairment like depression, or a combination of both physical and mental conditions. Dealing with debilitating and disabling medical conditions can be exhausting and …

What To Do If Your Long Term Disability Case Is DeniedRead More

A technical denial occurs when you are denied based on a non-medical reason. The most common reasons for a technical denials follow below. 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 …

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