Denied Long Term Disability Help

This is a very common response from your insurance company when applying for your disability benefits. It’s their way of saying they don’t feel there is enough medical proof to support you being on disability leave. We believe that the decision should be made by your doctors, as they are the ones who understand your medical situation best. If your claim has been denied because of insufficient medical evidence, we can help.

This is another common reason that a claim gets denied. Your insurance company feels you are not disabled enough and are capable of doing your job. They are overriding your doctor’s opinion and forming their own views on your medical situation. This is not right. If your doctor is supporting your disability leave, then your insurance company should support you as well. If they are not willing, then we can help.

Your insurance company might have you speak to one of their doctors or have their doctor review your medical claim. While the insurance company may base their decision on the opinions of their doctors, the opinions of your doctors (and other health care providers) are important as well - they have your best interests in mind and know you better than a doctor who has spent a very limited amount of time assessing your disability. If their doctor’s review has resulted in a denial of disability benefits, you need to contact us immediately.

Your insurance company might have you speak to one of their doctors or have their doctor review your medical claim. While the insurance company may base their decision on the opinions of their doctors, the opinions of your doctors and other health care providers are important as they have your best interests in mind and know you better than a doctor who may have only reviewed a paper file or spent a very limited amount of time assessing your disability. If their doctor’s review has resulted in a denial of disability benefits, you need to contact us immediately.

If your insurance company denies your disability claim because they state that your medical condition is pre-existing, they may not be disputing whether you are disabled, but rather stating that the medical issue that is causing you to stop working existed prior to your disability insurance coverage coming into effect.

A pre-existing exclusion under your policy only applies if you have been covered under the policy for a limited period of time (commonly in the first year you have benefits in place). This kind of denial requires a proper review of your medical records to determine if they were right to have denied you. It’s best to speak to one of our long term disability lawyers to see if it is possible to fight their decision.

Insurance companies conduct surveillance by monitoring social media sites and hiring private investigators to look into your activities. If your insurance company has conducted surveillance on you and is using that information to deny your claim, it does not mean they have caught you in a lie. Sometimes they jump to conclusions without making further inquiries to check for accuracy. Though they may try to use any information they can find to prove you are capable of doing your job, they are not necessarily right in their assessment. Talk to our team of disability lawyers to see how you can fight their decision to deny your disability claim.