Under the Employee Retirement Income Security Act (ERISA), claims administrators evaluate disability applications for disability insurance companies. Claims administrators often deny those who deserve long term disability due to conflicts of interest, even when there’s evidence that there’s a clear disability. If you’re looking to hire a long term disability lawyer to help appeal your denied claim, you’ve came to the right place.

Today we’re going to take a look at a few common reasons why disability claims are denied.

  • There’s insufficient medical evidence to support a disability. It’s important to understand just how important having supportive medical records is to your claim and to winning long term disability benefits.
  • Your claim may have also been denied due to a failure to meet the insurance policy’s definition of a disability. You need to check your policy’s plan description and become familiar with it to make sure that you meet the criteria for their definition of a disability. You also need to check for any excluded conditions, as some impairments related to pre-existing conditions or substance abuse are normally excluded.
  • Your insurance company may have conducted video surveillance on you and found evidence through the video that was inconsistent with your disability claim. If you’re in the process of filing a long term disability claim or if you’re already receiving benefits from one, it’s important that you know that your insurance company may have investigators follow you around and conduct video surveillance of you to make sure you’re telling the truth.