Long Term Disability Claims

There are some fairly common and standard reasons a disability insurance company may deny a claim. Regardless of why your long term disability claim has been denied, an individual should check into the reasons and make sure they are consistent. A good long term disability lawyer will understand how to properly approach this situation to protect your rights.

A long term disability claim may be denied because the insurers claim your doctor supports this decision. An employee should contact their physician to see if this information was true, and in the event that it is not, the doctor should write a letter on the claimant's behalf. An insurer may also claim they had another doctor review your medical records and agreed the long term disability claim should be denied. Not only can a separate doctor disagree with this conclusion on your behalf, but the doctor the insurer has consulted with never actually assessed your medical condition for him/herself and this can be an argument.

When a long term disability claim involves illnesses that are not quantifiable then the likelihood of the insurer denying it is much greater. When a job is considered inactive a long term disability claim may be denied for an illness such as fatigue or pain because the insurer will try to justify that the limited physical activity can still allow for that employee to continue working. Your long term disability lawyer will help you approach this situation properly and have a successful disability lawsuit if appropriate.

In cases when a long term disability claim involves an illness such as depression, or an injury that is not able to provide full "objective evidence," insures commonly will use this reason as a basis for denial. The medical letter issued by your doctor should contain as much detail as to how your illness or condition has resulted in your inability to perform your regular job duties.

An insurer can also decide they feel you are no longer qualified to receive long term disability because the injury or illness has subsided. If this is an inaccurate conclusion the employee is able to appeal the denied long term disability claim as if it is a new claim. A long term disability lawyer can greatly increase your chances of recovering a long term disability claim because of the ability to properly assess the legal issues involved and present them in a manner that best serves the interest of that particular individual. Please contact us to receive more information on long term disability and disability lawsuits.

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Long Term Disability Lawyer