You submit a request to use your Long Term Disability (LTD) insurance benefits. However, your request is denied. At this point, you have the option of appealing. Talk with an Aurora Long Term Disability lawyer, and they can explain the steps to take to dispute your insurance company’s decision against you.
Marc Whitehead & Associates has a legal team in place with 120 years of combined experience. Trust an Aurora disability lawyer from our team to help you with your Long Term Disability claim or appeal.
We can review your Long Term Disability case for free. To get started, schedule a consultation with us.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
Why Should You Partner With a Long Term Disability Insurance Lawyer Serving Aurora, Colorado?
Your Aurora Long Term Disability attorney knows the challenges that you will face as you go through the claims process. They will do what’s necessary to increase the likelihood that your Long Term Disability claim will be approved.
Some of the ways that your lawyer will help you with your LTD claim include:
Countering Insurance Tactics to Dispute or Deny Your Claim
Unfortunately, an insurance company may commit substantial time and resources to contest your claim.
Your Colorado disability lawyer is familiar with the tactics that insurers use to make it difficult for policyholders to get LTD benefits. They will stand up to an insurance company on your behalf, putting you in a great position to have your claim approved promptly.
Gathering Evidence
Expect a nationwide disability lawyer with relevant experience with Long Term Disability claims to collect medical records, an attending physician statement, and other proof for their clients.
If you have a wide range of proof at your disposal, your insurance company will struggle to justify denying your LTD claim.
Appealing Your Denied Claim
Just because you have Long Term Disability insurance in Aurora doesn’t guarantee that your insurer will approve your LTD claim. Your attorney knows the LTD insurance appeals process and how to disprove your insurer’s case against you. They will walk you through this process and prepare an argument that makes it clear why your LTD benefits request is warranted.
As you search for an LTD lawyer serving Aurora, consider what Marc Whitehead & Associates offers. We have received over 2,500 five–star reviews. On top of that, our team can learn about your Long Term Disability insurance policy and explain what it entails.
If you want help with an LTD claim submission or appeal, we’re here for you. Contact us today.
For a free legal consultationwith a long term disability lawyer serving Aurora, call (800) 562-9830
Why Will an Insurance Company Deny an Aurora Long Term Disability Claim?
Your request for Long Term Disability benefits for multiple sclerosis (MS), post-traumatic stress disorder (PTSD), or another medical condition is denied, and you have no idea why. Speak with a Long Term Disability lawyer serving Aurora about your claim denial.
Your attorney may find that your claim was rejected for any of the following reasons:
- You didn’t provide sufficient medical evidence.
- Your medical condition doesn’t meet your insurance policy’s definition of a disability.
- Your condition was diagnosed or treated shortly before your policy took effect.
- Your policy has an exclusion that applies to your mental, nervous, or psychological impairment.
- You didn’t submit supplemental information regarding your claim to your insurer in accordance with its deadlines.
Aurora Long Term Disability attorneys can go over your denial letter with you. Next, you and your lawyer can start the appeals process. Generally, you have up to six months to appeal a claim denial. Beyond this period, you will miss out on your opportunity to obtain LTD benefits.
Aurora Long Term Disability Lawyer Near Me (800) 562-9830
How to Appeal a Denied Long Term Disability Claim
Get help from a Long Term Disability attorney serving Aurora as soon as you are informed about your LTD claim denial. Your lawyer will share FAQs and other resources with you regarding the appeals process, which consists of these steps:
- Get your LTD claim file from your insurance company, as this will give you insights into the information that your insurer used to evaluate your benefits request.
- Retrieve evidence that addresses your insurer’s reasons for denying your claim.
- Draft a Long Term Disability appeal letter that details the reasons for your appeal.
- Submit your appeal documents to your insurance company.
The appeals process can take months. Your disability attorney will keep you updated about the status of your appeal. If your insurance company denies your appeal, your lawyer may advise you to proceed with a lawsuit against the business.
Count on Our Aurora Long Term Disability Lawyers to Help You With Your LTD Claim or Appeal
Submitting a Long Term Disability claim can be overwhelming. If you make a mistake during the claims process, your insurance company could deny your LTD benefits request. Receive legal help with your LTD claim. If you have Long Term Disability lawyers on your side, you’re well-equipped to get your request for LTD benefits approved without delay.
Marc Whitehead & Associates will work closely with you on your Long Term Disability claim or appeal. If you have legal concerns or questions about Long Term Disability benefits requests, we’ll respond to them immediately.
Allow us to help you get the LTD benefits that you deserve. For more information, request a free consultation.