If you’ve been denied long term disability (LTD) benefits by an insurance company, you’re not alone. Insurers routinely find reasons to reject legitimate claims in order to protect their profits and avoid paying out benefits.
However, an improper denial doesn’t have to be the end of the road. The long term disability lawyers at Marc Whitehead & Associates in Texas City can help reverse the insurance company’s wrongful decision.
Our Texas City disability lawyers have over 30 years of experience forcefully appealing LTD denials and terminations. Contact us today to learn how we can make that experience work for you.
Long Term Disability Claims Are Denied for a Variety of Reasons
Here are some of the most common reasons our lawyers see long term disability (LTD) insurance claims get denied by insurers:
Lack of Objective Medical Evidence
Insurance companies often deny claims due to an alleged lack of objective medical evidence proving the severity of the disability and resulting limitations. Comprehensive documentation from treating physicians is crucial.
Failure to Follow Prescribed Treatment
Denials frequently cite non–compliance with prescribed treatment plans or doctor’s orders as grounds for rejection. Following all recommended treatments is very important.
Pre-Existing Condition Exclusions
Many policies exclude coverage for disabling conditions that existed prior to the effective date of coverage. Insurers may try to classify a disability this way improperly.
Inability to Perform “Own Occupation” vs “Any Occupation”
Definitions of total disability can differ between the inability to perform one’s own occupation versus any occupation. Distinctions matter.
Missed Deadlines or Insufficient Information
Insurers are quick to deny even minor lapses in filing deadlines or providing requested information in designated timeframes. Strict adherence to processes is required.
Subjective or Non-Verifiable Conditions
Claims involving chronic pain, fatigue, fibromyalgia, migraines, and other subjective or non–verifiable conditions frequently face higher scrutiny and denial rates.
Policy Exclusions and Limitations
Each policy has its own excluded conditions and limited coverage circumstances that provide grounds for denial if criteria are not satisfied.
Insurer Bad Faith Practices
Unfortunately, some disability insurers prioritize protecting company profits over paying out legitimate claims through unscrupulous bad faith practices.
An experienced disability lawyer is invaluable for anticipating potential denial reasons, submitting persuasive evidence upfront, and forcefully appealing any wrongful denials or terminations.
For a free legal consultation with a long term disability lawyer serving Texas City, call 800-562-9830
We Can Help You Fight the Insurance Company’s Unfair Denial of Your Claim
While the tactics disability insurers use to avoid paying out on legitimate claims are varied, they all share one motivation – protecting company profits at the expense of the disabled policyholder. Our legal team has an in-depth understanding of:
- The types of evidence and documentation required to prove disabled status
- Common bad-faith insurance denial tactics used by specific insurance providers
- Loopholes or exclusions insurers may try to exploit to reject valid claims
We leverage over 30 years of focused long term disability law experience to mount forceful appeals and overturn wrongful denials or terminations.
Our Long Term Disability attorneys in Texas City have the necessary resources, experience, and tenacity to pursue all viable legal avenues and compel insurers to honor their obligations.
Texas City Long Term Disability Lawyer Near Me 800-562-9830
Get the Law Firm That’s Dedicated Only to Disability Claims
Some key advantages of choosing our firm include:
- A track record of multi-million dollar wins against major insurers
- Attorneys with insider knowledge from previously representing insurance companies
- Firmly dedicated solely to long term disability law – not general practice
Click to contact our Texas City Disability Lawyers today
How We Can Help
Whether you need assistance filing an initial LTD application or appealing an improper denial, our team provides the following services:
- Review your complete medical records and documentation for deficiencies
- Help gather additional persuasive evidence satisfying policy definitions
- Handle all complexities of filing, form submissions, deadlines, and processes
- Deconstruct the insurance company’s stated reasons for denial through legal analysis
- Build aggressive counter-arguments supported by laws, regulations, and case precedents
- Represent you through all stages of appeals, litigation, and settlement negotiations
From start to finish, our long term disability lawyers manage every aspect of your case so you can focus on your health and financial stability during this difficult time.
Complete a Free Case Evaluation form now
Contact a Long Term Disability Law Firm in Texas City
Attempting to take on a big insurance company alone rarely ends favorably for the disabled individual. Our committed long term disability lawyers in Texas City give you the highest caliber legal representation and the strongest path to rightfully secure the benefits your policy promises.
From gathering persuasive documentation to formulating aggressive legal arguments, we provide the highest caliber representation solely focused on compelling insurance providers to honor their obligations and provide your vital disability income.
The long term disability attorneys of Marc Whitehead & Associates care about you and your claim. We understand the challenges you face when dealing with insurance companies. Don‘t accept an unfair claim denial – contact us today to learn how we can help you with your LTD claim.
Call or text 800-562-9830 or complete a Free Case Evaluation form