Long-Term Disability Appeal Guide

Tips For Writing An Effective Long-Term Disability Appeal Letter

Your long-term disability claim was denied. An appeal is your opportunity to get the benefits you deserve.

The following tips will keep your appeal on the right track.

Don’t Panic

No one knows the details of your situation better than you.

Read the Denial Letter Again

Carefully review the details of the denial. The letter should also explain the information you need to include in your letter.

Gather Information

Request copies of your insurance policy and your claim file from your insurance carrier. Examine the documents for any incorrect or incomplete information.

Compose Your Letter

Create a list of the issues you disagree with the insurance company on. Next, provide documentation to support your position.

Ask For Help

Doctors and vocational experts are often happy to write letters in support of an appeal.

Provide Proof of Disability

Include documents for other benefits you are receiving, including workers’ compensation benefits or Social Security Disability Insurance payments.

Include Your Friends and Family

Insurance companies hire private investigators in an attempt to catch you performing tasks despite your disability. Having written accounts from family and friends detailing your disability, treatment, and side-effects can be immensely helpful.

Meet All Deadlines

Appeal deadlines are “set in stone”. Missing the deadline could mean going without the benefits you need.


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Seek Professional Help

We have provided some important tips for writing your appeal letter. That doesn’t mean you have to go through the process alone. Contact us today to schedule a free consultation with America’s top long-term disability lawyer.

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Why Choose DarrasLaw?

Insurance claim forms are intentionally ambiguous and confusing. Don’t make a fatal mistake. Take advantage of our Free Claim Assistance.

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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