Being forced to stop working due to an injury, illness, or disabling medical condition can be an incredibly challenging experience, both physically and financially. When you have long term disability (LTD) insurance coverage, you expect to receive vital income replacement to help make ends meet.
However, insurance providers frequently prioritize protecting company profits over approving legitimate LTD claims and paying out deserved benefits. However, a Temple City disability lawyer can help.
At Marc Whitehead & Associates, our Long Term Disability Lawyers in Temple understand the difficulties you face when unable to work. We’ve been helping people gain the long term disability benefits they rightfully deserve for three decades, and we’re here to help you.
Common Reasons for Improper LTD Denials
Insurance companies are motivated to find any potential reason, no matter how minor or unreasonable, to reject or terminate a disability claim. Some of the most frequent justifications our lawyers see include:
- Alleged lack of medical documentation proving disability severity
- Accusations of non–compliance with treatment plans or doctor’s orders
- Attempts to classify the disabling condition as a pre–existing exclusion
- Conflicting definitions of “total disability” between own occupation and any occupation
- Missed deadlines or incomplete information in the claims filing process
- Claims involving subjective conditions like chronic pain, fatigue, or fibromyalgia
- Purported policy exclusions or coverage limitations based on vague language
For a free legal consultation with a long term disability lawyer serving Temple, call 800-562-9830
Exposing Insurance Companies’ Wrongful Denial Tactics
While insurance providers have a contractual duty to evaluate claims fairly and pay out legitimate benefits, they unfortunately often prioritize protecting profits over upholding their obligations to their paying clients.
Our long term disability lawyers in Temple have seen every angle insurers use to avoid paying, including:
Delay/Frustration Tactics
Insurance companies are not above intentionally dragging out the claims process through repetitive information requests, frequent transfers between adjusters, and excessive deadlines They do this in hopes the claimant gives up. Sadly, many clients with valid claims quit trying.
Cherry-Picking Evidence
You may find the insurer misrepresenting or selectively taking medical evidence out of context to paint an incomplete, inaccurate picture of the disability and someone’s limitations.
Biased Medical Examinations
One common tactic to deny claims is requiring claimants to attend an examination with an insurance company-hired doctor incentivized to minimize or discount the disabling condition.
Deceptive Policy Interpretations
Some companies may try to deny your claim by attempting to wrongfully classify a disability as falling under policy limitations or exclusions through strained definitions and vague language.
Constant Reassessment
Another common ploy to reduce or deny a legitimate claim involves requiring repetitive documentation of disabilities that have already been proven, shifting the goalposts, and closing claims in bad faith after approving them for years.
These bad faith practices prioritize insurers’ finances over legitimate claims. Our lawyers know all their angles and vigorously advocate to ensure you receive the full benefits you deserve.
Temple Long Term Disability Lawyer Near Me 800-562-9830
Our Long Term Disability Lawyers in Temple Level the Playing Field
When dealing with large insurance companies, disabled individuals are at a distinct disadvantage without experienced legal representation. Our disability law firm has:
- Over 30 years of experience concentrated solely on federal ERISA, non–ERISA, and LTD law
- Prior insider experience from attorneys who formerly represented insurers
- Comprehensive understanding of policy language, legal tests, and court precedents
- Extensive experience with a wide range of disabilities to substantiate your claim with persuasive evidence
- Access to nationally recognized experts and specialists across all disabilities
This focused long term disability law experience allows us to level the playing field against the insurance company’s extensive resources. We depict the full, credible reality of your medical condition, functional limitations, and inability to work as intended by your LTD policy.
Click to contact our Temple Disability Lawyers today
Our Full-Service LTD Claims Assistance
Whether you need help filing an initial long term disability application or appealing an improper denial or termination, our Temple Long Term Disability Attorneys provide comprehensive legal services, including:
- Careful policy analysis to understand exact definitions and qualifications
- Thorough review of your medical records and documentation for deficiencies
- Recommendations for additional evidence to build a stronger claim file
- Guidance on adhering to all claims and appeals processes properly
- Legal analysis deconstructing the insurance company’s stated denial reasons
- Developing aggressive counter-arguments based on laws and legal precedents
- Forceful representation during all stages of appeals, litigation if needed
- Skilled negotiation of reinstatement and collection of retroactive benefits owed
Complete a Free Case Evaluation form now
Contact a Temple City Long Term Disability Law Firm Today
If you are unable to work due to a disabling injury or illness, do not battle the insurance company alone. Their tactics and resources put you at a major disadvantage. The Long Term Disability Lawyers at Marc Whitehead & Associates can provide experienced, aggressive representation.
We understand how to forcefully appeal wrongful claim denials and terminations. Our extensive disability law experience and access to supporting experts give us a clear edge in securing the benefits you deserve.
Don’t abandon your rightful claim – contact us for a free case evaluation from our Temple disability attorneys. We can significantly improve your prospects for a positive outcome.
Call or text 800-562-9830 or complete a Free Case Evaluation form