When an injury, illness, or medical condition prevents you from working and earning a living, securing the Long Term Disability benefits you deserve can quickly become an uphill battle – even if you have a legitimate claim.
This is where the Wyoming long term disability lawyers at Marc Whitehead & Associates can help. Whether you’re dealing with a group/ERISA disability policy through an employer or an individual private plan, we want to secure the disability benefits you paid for.
Our Wyoming Disability lawyers have over 60 years of combined experience. We are ready to discuss your case during a free consultation.
Reasons Insurers Deny Valid Long Term Disability Claims
Unfortunately, having a valid disability is often not enough to get your Long Term Disability claim approved, even if you have been paying premiums faithfully. Insurance companies are multi-billion dollar businesses that are financially motivated to deny claims and underpay benefits whenever possible.
Our Wyoming Long Term Disability attorneys have seen the following reasons insurers cite to deny legitimate Long Term Disability claims:
Disputing the Severity of Your Condition
Insurers may argue your disability does not meet their strict definition of totally disabled, or that you can perform some type of work duty despite your limitations.
Claiming Insufficient Medical Evidence
They may assert that your medical records and documentation do not conclusively prove you are unable to work.
Alleging Your Disability Is Pre-Existing
Insurers often try to classify disabilities as pre-existing conditions that were excluded from coverage under the policy terms.
Arguing Your Disability Is a Mental Condition
Many policies limit benefits and have stricter requirements for disabilities they deem to be mental or nervous system conditions like anxiety or depression.
Asserting Your Own Statements Are Inconsistent
They may try to use your own words or social media posts out of context to claim you are not fully disabled.
Requiring Unnecessary Medical Exams
Forcing you to attend insurance medical exams that are stacked against your interests is a common delay tactic.
Having an experienced Long Term Disability attorney from Marc Whitehead & Associates gives you a defense against such denial tactics. Our legal team understands all the loopholes insurers may use and challenges any bad-faith tactics an insurance company engages in.
For a free legal consultation, call 800-562-9830
How Our Wyoming Long Term Disability Law Firm Can Help
Whether you’re dealing with a denied claim under an employer’s ERISA group disability policy or an individual private insurance plan, the legal team at Marc Whitehead & Associates has the legal insight to forcefully reinforce and protect your rightful benefits.
For Denied ERISA/Group Long Term Disability Claims
Employee Retirement Income Security Act (ERISA) claims have strict deadlines and regulations that must be followed precisely during the administrative appeal process before you can file a lawsuit. Our lawyers make sure no crucial details are missed while building the strongest possible case file, including:
- Obtaining all relevant medical records and physician statements
- Demanding continued updates and supporting documentation
- Highlighting proof of your inability to perform your occupation’s duties
- Submitting appeals with comprehensive legal arguments and evidence
- Properly filing your claim per ERISA rules
If your ERISA appeal is denied, we are fully prepared to take your case to federal court and litigate against the insurance company.
For Denied Individual Long Term Disability Claims
Private disability policies have their own sets of terms, limitations, and strategically worded language that insurers exploit to deny or underpay claims. Our attorneys analyze and circumvent these tactics by:
- Reviewing your entire policy contract to understand qualifying disabilities
- Identifying any ambiguous policy terms and arguing in your favor
- Utilizing leading medical experts and vocational evidence
- Challenging bad-faith denials by presenting evidence
- Negotiating a settlement or preparing to take legal action
No matter how frustrating or complex the denial is, our Long Term Disability attorneys in Wyoming fight for the benefits you paid for and are rightly owed. We aim to overturn denials and recover your financial disability security.
The Importance of Consistent Medical Treatment During a Long Term Disability Claim
One of the most detrimental mistakes you can make when applying for or appealing a denial of Long Term Disability benefits is delaying or forgoing prescribed medical treatment and following your doctor’s advice.
Insurance companies may take advantage of any gaps or lapses in your medical care as justification to claim:
- Your condition isn’t as severe as you state
- You failed to mitigate your disability
- Your disability has improved or resolved itself
- Your self-reported limitations are inconsistent or exaggerated
Even if you have a legitimate disability, stopping treatment creates a situation where the insurer can argue your condition is no longer credibly disabling. Our Wyoming LTD lawyers understand how critical this medical proof is.
We diligently work to obtain all treatment notes and records. Do not give the insurance company any excuse to deny or terminate your rightful benefits. Stay committed to your medical care.
Click to contact our disability lawyers today
Why Choose a Wyoming Long Term Disability Attorney from Marc Whitehead & Associates?
When it comes to Long Term Disability claims, our firm wrote the book. Our lead attorney Marc Whitehead is double board-certified and solely focused on disability law and litigation. Our dedication to our clients has earned our law firm over 1,500 5-star client reviews.
From dissecting complex ERISA regulations to forcefully countering insurer delay tactics, we apply battle-proven strategies. We will take insurers to trial if necessary to protect your benefits. Our legal team provides each client with the personalized attention they deserve.
Complete a Free Case Evaluation form now
Call Us to Work With Our Long Term Disability Lawyers
Our Wyoming LTD attorneys can help you with every stage of a Long Term Disability claim, from the initial application to appealing a denial of benefits. You don’t have to take on a multi-million dollar insurance company alone. We have your back.
Call us today to learn more about your legal options during a free, no-obligation consultation. We can get started on your case right away.
Call or text 800-562-9830 or complete a Free Case Evaluation form