If you are a registered nurse who has suffered a disabling condition or injury and had your Long Term Disability benefits denied, you are not alone. Every year, insurance companies deny countless valid disability claims, even when medical evidence supports the nurse’s inability to work.
At Marc Whitehead & Associates, our long term disability lawyers for nurses understand how devastating a denial can be. Whether your LTD benefits have been delayed, denied, or terminated, our team is here to help. We offer free consultations and are available 24/7.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
How to Get Long Term Disability Coverage for a Nurse
Most nurses have access to Long Term Disability insurance through their employers or purchase private disability insurance to protect against the financial burden of being unable to work.
However, the reality is that disability insurance carriers don’t always pay when they should.
Getting the Benefits You Deserve
To receive disability benefits, nurses must meet the definition of disability outlined in their LTD insurance policy. This typically means showing that a disabling condition prevents them from performing the material duties of their occupation.
For registered nurses, this includes physically intensive tasks such as lifting patients, working long shifts on your feet, managing heavy equipment, and reacting quickly in emergencies—all of which may become impossible if you’re suffering from chronic pain or another occupational disease or injury.
Understanding Your Policy With Marc Whitehead & Associates
Understanding what your policy covers, whether it’s group disability insurance governed by the Employee Retirement Income Security Act (ERISA) or a private Long Term Disability insurance policy, is essential.
Both types have time limits and strict appeal processes, and both may use vague or unfair terms to avoid paying a valid disability benefit claim.
At Marc Whitehead & Associates, our Long Term Disability lawyers help nurses interpret their policies, complete their application for disability benefits, and build claims backed by detailed medical records and documentation from treating physicians and medical providers.
For a free legal consultationwith a denied nurse disability claim lawyer serving Nationwide, call (800) 562-9830
How to Appeal Long Term Disability Denial for Nurses
If your claim for Long Term Disability insurance benefits has been denied, don’t give up. A denied disability claim is not the end of the road, and in many cases, it’s the insurer’s hope that you won’t appeal.
The first step is understanding why the claim was denied. Common reasons for disability denial include:
- Lack of objective medical evidence or medical reports supporting your condition
- Disputes over the definition of disability in your policy
- Claims that your disabling condition is “not severe enough”
- Suggestions that you can work in a “sedentary” position despite your restrictions
- Surveillance footage misrepresents your disability status
- Arguments that you can work in another role (such as administrative nursing)
What to Expect From the Appeal Process
The appeal process involves:
- Requesting the full claim file from the insurance company, including medical reviews and any internal assessments used to deny your claim.
- Submitting an appeal letter that directly addresses the claim denial, including detailed medical evidence and clarification from your medical providers.
- Meeting all deadlines: Most ERISA policies require that you file your appeal within 180 days of the denial. Missing an appeal deadline can permanently jeopardize your right to benefits.
- Filing administrative remedies: For group policies, you must exhaust all internal appeals before pursuing legal action in court.
- Working with a Long Term Disability lawyer: Our LTD attorneys are well-versed in crafting strong, fact-based appeals backed by expert opinions, medical documentation, and legal strategy.
Our Long Term Disability lawyers for nurses also assist those who have been approved for benefits, but face a termination of benefits after a certain period of time. Insurance companies often approve short-term LTD benefits, only to revoke payments later based on an unfair reassessment of your condition.
Nationwide Denied Nurse Disability Claim Lawyer Near Me (800) 562-9830
Why Choose Our Long Term Disability Law Firm for Nurses?
Marc Whitehead & Associates is a nationally recognized disability law firm that helps nurses across the country fight for the benefits they earned through years of service in demanding healthcare roles.
Here are some reasons why nurses choose our disability law firm:
- 120+ years of combined experience with ERISA claims, private disability insurance denials, and Social Security Disability Insurance appeals
- Strong track record of success in overturning Long Term Disability denials for medical professionals, including registered nurses and nurse anesthetists
- Comprehensive legal guidance through every stage of the claim process—from initial applications to final lawsuits
- 24/7 availability and free case evaluations with no upfront fees
Whether you’re recovering from surgery, facing an ongoing illness, or struggling with the long term effects of a medical condition, our dedicated disability lawyers are here to protect your rights.
Common Insurance Company Tactics That Harm Nurses’ Claims
Insurance companies are businesses first—and they often use strategic tactics to protect profits, even at the expense of your health and financial stability.
Common strategies include:
- Misrepresenting your job duties or classifying your occupation incorrectly
- Minimizing the impact of your medical condition with incomplete reviews
- Cherry-picking health records while ignoring supportive documentation
- Hiring internal doctors to issue denial-friendly reviews
- Using vague language in disability insurance contracts
- Delaying responses or demanding redundant paperwork to frustrate claimants
These strategies are designed to wear you down. With the right LTD claim attorney on your side, you can level the playing field and ensure your claim is handled fairly.
How Our Disability Lawyers Help Nurses Win LTD Benefits
Our Long Term Disability claim lawyers handle every step of your case:
- Initial application for disability insurance benefits
- Filing of appeals for a denied disability claim
- Litigation for ERISA and private disability insurance claims
- Social Security Disability Benefits applications, appeals, and hearings
- Compassionate support during the entire claim process
We understand how difficult it is for nurses to step away from a career built on care, compassion, and service. Whether you’re a recent graduate of nursing school or a veteran nurse facing career-ending limitations, we’re here to protect your rights and your future.
Talk to a Long Term Disability Attorney for Nurses Today
If you’re a nurse who has received a Long Term Disability denial (or if you’re just starting the claim process), contact the experienced and compassionate team at Marc Whitehead & Associates today.
Let our experienced Long Term Disability lawyers for nurses review your case and help you explore your legal options. We are offering free consultation for nurses, so don’t wait to reach out to us. For more information, visit our FAQ page.