In this video Marc Whitehead, a Board Certified Disability Insurance Attorney, explains reasons why your long term disability claim may have been denied.
While no one ever expects to have trouble with their long term disability claim, most people do. People with disabling conditions such as cancer, diabetes, some severe back inguries, PTSD, depression or any other serious illness or injury it can interrupt their ability to make a living.
Insurance companies are in the business make money for themselves and for their shareholders. To escape paying benefits on valid claims. many resort to a playbook of denial tactics including them saying
you have the ability to work at another occupation
your disability is due to a previous condition
your disability is a mental or nervous condition and benefits are therefore limited
There is no objectively verifiable Medical evidence
Medical opinions from their own, bias, medical experts say your not disabled.
Your not eligible for insurance coverage at the time the disability occurred
Even if your long term disability claim was approved by your insurance provider, that’s not the end of the process.
Insurance companies look for any reason to stop paying benefits and may resort to further tactics hoping to wear you down until you give up.
For example after being paid benefits for a year of two, you may be subjected to hidden surveillance or pressured by continues or unreasonable requests for more documentation.
What are your options if your long term disability claim is denied or cancelled?
So often the battle isn’t over the merits of the case, the battle is with the insurance companies unwillingness to fairly pay claims. Remember the insurance company has a team of attorneys working on their behalf.
To improve your chances of winning an appeal, or even later if litigation is necessary, you need the same. It’s critical that you have an experienced disability lawyer on your side who has fought and won long term disability cases many times. A disabled claimant is naturally the ideal victim. When you are too sick to work your also too sick to fight the insurance company.
If your claim for disability benefits it denied, there are deadlines and requirements that you must comply with. Therefore, time is of the essence.
Marc Whitehead & Associates is a national law firm dedicated to fighting these cases and making justice a reality for each client.
