Why Was My Long Term Disability Claim Denied?
If your long term disability has been denied, you may feel like you’ve run out of options. Your insurance company is supposed to provide the support you need during this trying time, but they refused.
Dealing with the mental and physical challenges of a chronic medical condition is hard enough without having to worry about your income. But that’s just what your insurance company wants you to think. Luckily, there are ways that an experienced long term disability (LTD) lawyer can help.
But why was your long term disability claim denied in the first place? For many, understanding how insurance companies decide whether to deny a claim is an important step toward getting your benefits.
If your long term disability claim has been denied, our disability lawyers can help.
Why Was My Long Term Disability Claim Denied?
If you’re reading this, you’ve probably wondered countless times, “Why was my long term disability claim denied?” First, it’s important to remember that insurance companies are for-profit entities. That means even though they are supposed to provide disability benefits on paper, they are incentivized to avoid paying out as many claims as possible.
They accomplish this by taking advantage of technicalities and practices you need to know.
Reason 1: Insufficient Medical Information
One of the most common reasons for a long term disability denial from an insurance company is a lack of medical information. Insurance companies will often claim there is a lack of medical evidence that supports your disability claim.
However, we believe that medical professionals’ deep understanding of your condition should guide such decisions in your long term disability claim. While your insurer may recommend appealing due to insufficient medical information, we often advise against it, as it’s all part of their “game.”
In addition, Share Lawyers is experienced in LTD cases and can gather the necessary medical support, allowing you to prioritize your health.
Reason 2: Does Not Meet the Definition of Disability
Insurance companies often deny disability claims because the applicants are not “sufficiently” disabled or are still capable of performing their jobs. They essentially disregard your doctor’s professional opinion and use their conclusions as evidence.
If this sounds unfair, it’s because it is. If your doctor supports your disability leave, so should your insurance company.
Reasons 3 & 4: The Insurance Company or Their Doctors Believe You Can Work
Your insurance provider may have their own doctors review your medical claim or ask you to consult with them. Remember, the opinions of your personal healthcare providers—the ones who have your best interest at heart—are more important.
Reason 5: Pre-existing Medical Condition
Insurance companies may deny long term disability claims by citing the pre-existing condition clause, suggesting that the medical issue preventing you from working predates your disability insurance coverage. There is typically a pre-exisiting condition clause in all disability policies saying that the claimant cannot secure disability benefits for a specific period of time at the beginning of the policy.
In such cases, it’s essential to conduct thorough reviews of your medical history and records to ensure accurate assessments are made.
Reason 6: Surveillance
Perhaps most troubling, insurance companies sometimes conduct surveillance by monitoring your social media or hiring private investigators. For example, they may state that if you are healthy enough to go to dinner with friends, you must be healthy enough to work. This is an illogical conclusion, at best.
Thankfully, it doesn’t mean their observation is correct.
When your long term disability claim is denied, it can feel overwhelming. Know that you are not alone, as our experienced team of LTD lawyers is ready to uphold your rights and fight to get the benefits you deserve.
Share Lawyers Fights for You
Why was your long term disability claim denied? Regardless of the reason, it’s time to call someone you can trust in your corner. At Share Lawyers, our experienced LTD lawyers are ready to handle the legal complexities and all communication with your insurance company so you can focus on your health. At the same time, we fight to obtain your LTD benefits.
We’re a law firm dedicated to people, not corporations. We have a track record of thousands of successful cases and have earned a reputation with insurance companies. They know we mean business, and it’s why most of our cases get resolved without going to court.
If you’re unable to work and have LTD insurance, our LTD lawyers will guide you through every step and take the weight off your shoulders. You can also rest easy knowing you won’t pay any fees until your case is won.
Still wondering, “Why was my long term disability claim denied?”
Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. Our legal team offers a free consultation and works on a contingency basis - there are no fees unless you win your case.
