By Jacob MaslowBranded Content

Disability insurance is a crucial component of financial stability for individuals who experience an illness or injury that prevents them from working for an extended period. Long-term disability insurance offers a source of income replacement that can help maintain a sense of normalcy during a challenging period. However, navigating the claim process can be complex, and sometimes a person’s claim for long-term benefits may be denied.

When faced with an insurer denying a long-term disability claim, it is essential to understand the reasons behind the decision and the options available to contest it. Appeals processes are in place in most insurance policies that allow claimants to submit additional evidence or documentation supporting their case. Through careful preparation and understanding of the necessary steps, individuals can work towards a potential reversal of the initial denial and secure the financial support they deserve from their insurance policy.

In the following article, we will explore critical steps after receiving a denial of a long-term disability claim, such as reviewing the insurance policy, gathering pertinent medical records, and seeking appropriate professional guidance. By following these guidelines, individuals can effectively navigate the appeals process and improve their chances of a successful outcome in obtaining the disability benefits they need.

Understanding Long-Term Disability Insurance

Long-term disability (LTD) insurance provides financial support to individuals who cannot work due to a disability, illness, or injury. This type of insurance typically offers monthly benefits that are a percentage of the policyholder’s pre-disability income.

Policies differ in their definition of disability and eligibility criteria, so it is essential to thoroughly understand the specifics of one’s own LTD policy. Some policies require that the policyholder is unable to perform the duties of their occupation, while others mandate that they cannot perform any type of work.

When filing a claim for long-term disability benefits, it is essential to provide all necessary documentation, including medical records, evidence of ongoing treatment, and any relevant financial information. This helps to ensure a smooth and efficient review process by the insurance company.

If a claim for long-term disability benefits is denied, the policyholder should consider the following steps:

  • Review the denial letter: Carefully review the reasons provided and identify any errors or missing information that could have led to the denial.
  • Gather additional documentation: Collect any pertinent information not previously submitted, such as updated medical records or proof of ongoing treatment.
  • Appeal the decision: Most insurance companies have an appeals process that allows policyholders to contest a denial. Utilize this process and submit all necessary documentation within the specified time frame.
  • Seek legal assistance: If the appeal is unsuccessful, consulting with a disability insurance lawyer who is experienced in handling long-term disability claims may help in determining the best course of action.

Why Claims Are Denied

There are several common reasons why disability insurance claims, specifically for long-term benefits, might get denied. Understanding these reasons can help claimants if they need to appeal the decision or take further action.

Firstly, many disability insurance claims get denied due to insufficient medical evidence. Insurers often rely on detailed medical records to support the claim that the applicant cannot work for an extended period. Therefore, claimants must ensure that their medical records provide evidence of their condition, its severity and its impact on their ability to work.

Another reason for the denial of claims is the failure to meet the policy’s definition of disability. Disability insurance policies vary in terms of what qualifies as a disability. Some policies may have strict definitions, requiring the claimant to be unable to perform any work, while others might have a more lenient definition. Claimants must review their policy and ensure that their condition aligns with the stated definition of disability.

Additionally, insurers might only accept claims if the applicant has met the waiting period, also known as the elimination period. This is the duration during which the claimant must be disabled before they can start receiving benefits. If the insurer believes the person has become disabled before fulfilling this requirement, they may deny the claim.

Finally, issues related to policy exclusions and pre-existing conditions can lead to claim denials. Insurers often exclude certain conditions from coverage or have stipulations for pre-existing conditions. Claimants must be aware of these exclusions and work with their healthcare providers to ensure the information provided aligns with their policy’s terms.

Steps to Take After Denial

When a claim for long-term disability benefits is denied, it can be disappointing and stressful. However, there are several steps to take that may help overturn the denial and ultimately secure the benefits.

Review Your Policy

Begin by reviewing the policy details to understand the reasons for the denial. The denial was likely due to a lack of clarity, missed deadline, or technicality. Understanding the reasons for rejection will help you address the issues in your appeal.

Gather Necessary Documentation

Gathering proper documentation is essential to support your claim. Ensure that you have:

  • Medical records include diagnostic reports, treatment plans, and physician statements.
  • Employment-related documents, like proof of income, job description, and details of any accommodations made for your disability.
  • Records of any related insurance claims or prior appeals.

Having thorough documentation will strengthen your case and increase the likelihood of a successful appeal.

Submit an Appeal

Once you have reviewed your policy and gathered the necessary documentation, it is time to submit your appeal. Ensure to do so within the timeframe specified in your policy. When submitting the appeal, include a detailed explanation of why the denial should be overturned, along with any new or supporting documents.

Familiarize yourself with your insurer’s appeal process, as each company may have slightly different requirements. Adhering to these procedures is essential to avoiding delays or further denials.

After you submit the appeal, be prepared to respond to any follow-up inquiries from the insurer or requests for additional documentation. Stay organized and informed throughout the process to maximize the chances of a favorable outcome.

Seeking Legal Assistance

When a claim for long-term disability benefits is denied, it is essential to understand the steps to take to protect your rights and ensure a fair review of your case. One of these critical steps is seeking legal assistance to help navigate the complex process of disability insurance appeals and, if necessary, litigation.

When to Involve a Lawyer

Involving a lawyer early in the process can be beneficial in several ways. An experienced attorney can help you understand your rights, review the reasons for the denial, and identify any mistakes or inaccuracies in the insurance company’s decision. Additionally, a lawyer can assist with gathering the necessary medical documentation, negotiating with the insurance company, and representing your interests during any appeals or litigation.

  • Consider contacting a lawyer as soon as you receive the denial letter.
  • An attorney can advise on the best course of action and help you avoid common mistakes.
  • Time limits apply for filing an appeal, so seeking legal assistance promptly can ensure you meet all relevant deadlines.

Choosing a Disability Lawyer

It’s essential to select a disability lawyer with experience and expertise in handling cases similar to yours. Here are some factors to consider when selecting an attorney:

Expertise Look for a lawyer who specializes in disability insurance claims and has a thorough understanding of the applicable laws and regulations.
Experience Choose a lawyer with a proven track record in handling cases like yours, and ask about their success rates in resolving claim denials.
Communication Find someone who is responsive, easy to talk to, and can clearly explain the legal processes to you.
Fees Understand the attorney’s fee structure and how expenses will be billed during your case.

Seeking legal assistance may be crucial in successfully appealing a denial of long-term disability benefits. By involving a lawyer promptly and selecting a skilled attorney, you can significantly increase your chances of a positive outcome.

Preventing Future Denials

Understanding and addressing the reasons for denying long-term disability benefits is crucial for preventing future denials. Improving communication with the insurer and maintaining comprehensive medical records can help ensure a favorable outcome.

Open Communication with Insurer

Establishing an open line of communication with the insurance company is vital for understanding the specific reasons for claim denial. Applicants should:

  • Request a written explanation of the denial
  • Engage in proactive discussions with the insurer
  • Ask questions about the denial and gather feedback on improving future claims

By keeping the insurer informed about changes in the applicant’s health status, treatment plans, and progress, the applicant can foster a positive relationship and reduce the chances of claim denial.

Maintaining Medical Records

Thorough and up-to-date medical records are crucial in the disability benefits claim process. Applicants should focus on:

Documentation Action
Initial medical evaluations Obtain copies and track progress
Follow-up appointments Take notes and consistently review information
Functional capacity evaluations Ensure appropriate medical professionals complete them
Objective test results Collect copies of blood tests, X-rays, and other medical tests

Maintaining these records helps to demonstrate the legitimacy of the disability, as well as the applicant’s diligence in adhering to recommended treatments and therapies. By preventing future denials, individuals increase their chances of receiving the long-term disability benefits they need.


When a claim for long-term disability insurance benefits is denied, it can be frustrating and overwhelming. However, remaining calm and taking the necessary steps to protect one’s rights and interests is essential.

Firstly, it is crucial to review the denial letter carefully and understand the specific reasons for the denial. This information can help identify any missing or incorrect information that can be corrected in an appeal. It is also helpful to gather additional supporting documents, such as medical records, to strengthen the appeal.

It is often beneficial to seek legal representation, as experienced disability insurance attorneys have in-depth knowledge of the complex regulations and requirements surrounding disability claims. They can help navigate the appeals process and increase the chances of a successful outcome.

In some cases, negotiation and mediation can be practical tools in resolving disputes with the insurance company. This approach can result in a satisfactory resolution without the need for litigation.

Finally, keeping track of all deadlines and ensuring that all documents and appeals are submitted promptly is essential. Missing deadlines can have serious consequences, including losing the right to appeal or dismissing the claim.

Overall, approaching a denied claim for long-term disability insurance benefits with a clear plan and the assistance of professionals can significantly improve the chances of success and help secure the necessary financial support during a challenging time.

Photo Courtesy // Jacob Maslow //