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  • My long-term disability policy is through my employer, does that make a difference?

    If your disability insurance is through your employer, it may fall under a federal law called the 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.

  • Why would my claim be denied?

    Unfortunately, many first-time claims are denied. The claims administrator looking at your application could 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