ERISA Experience You Can Rely On.

Why Your Long-Term Disability Application was Denied

On Behalf of | Nov 5, 2014 | Firm News

If you’ve recently applied for long term disability and your claim was denied, it’s time to consider hiring a long term disability lawyer for the ERISA appeals process. Here at ERISA Law Center, we’re a group of attorneys that represent the disabled all across the nation. If we feel that you’ve been wrongfully denied long term disability insurance benefits, we’ll file a lawsuit against your disability insurance company for wrongful denial. It’s important to keep in mind though that even if your lawsuit is justified, under the ERISA law, you must go through the ERISA appeals process before you gain the right to file a lawsuit.

Why were you denied in the first place?

Claim administrators will deny a claim for endless reasons, some of them are legitimate and some aren’t. One of the common reasons is the lack of sufficient medical evidence. It’s almost impossible to prevail in a long term disability claim when you don’t have evidence of regular medical treatment. You’ll be expected to have documented regular visits to your primary care physicians, as well as specialists. You could also be denied if you’re missing medical records or if the insurance company failed to obtain all of them, as well as if you do not have a written doctor’s statement saying you’re disabled.

You may have also failed to meet the definition of disability. We will go over your entire policy’s summary plan description for the precise definition of disability to make sure you can meet it.

Ready to start the ERISA appeals process? Don’t do it alone, call the ERISA Law Center today.