Long-Term Disability policies can be confusing and complicated. Here’s what you need to know:
Long-Term Disability (LTD) policies can be offered by your employer or you can purchase a LTD policy on your own. If you become disabled and are unable to work, you can apply for benefits under your LTD policy that can help you continue to receive part of your salary.
LTD policies can be lengthy and packed with difficult legal terms. Plus, if your disability insurance is through your employer, it may fall under a federal law called Employee Retirement Income Security Act (ERISA). This law has strict rules for how you need to apply for benefits or file an appeal. It also affects your chances of approval.
Unfortunately, many first-time claims are denied. The claims administrator looking at your application will most likely be employed by your insurance company, so even justified claims are often denied at first.
A denial can be due to:
- Insufficient medical evidence such as a lack of regular medical treatment, adequate records, or a doctor’s statement
- Failure to meet your policy’s definition of disability
- Video surveillance by the insurance company that conflicts with your claim
- Missed application deadlines
Our LTD attorneys can help you prepare the strongest possible case. They’ll gather the proper medical records and other documentation, and help you avoid common pitfalls.
Our free contact form below can help you set up a consultation so we can better assist you.
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