Employer-provided long-term disability benefits are insurance coverages employers may offer employees as part of their benefits package. Long-term disability benefits provide income replacement if an employee becomes disabled and cannot work for an extended period of time.
Long-term disability benefits vary depending on the employer and the insurance provider. Long-term disability benefits provide a percentage of the employee’s pre-disability income for a specified number of years or until retirement age.
Denial of a long-term disability benefits claim
If your employer denies your long-term disability benefits claim, the first thing to do is understand the reason for the denial. To achieve this, follow these steps:
- Review your employer’s long-term disability benefits plan documents
- Contact the insurance company to learn why it denied your claim
- File an appeal following the instructions in your plan document
- Seek legal advice. If you hire an attorney, they will perform items 2 and 3 for you. You will not have to deal with the insurance company
Receiving a denial letter from your employer’s insurance carrier regarding your long-term disability benefits claim can be devastating and leave you wondering why your claim was denied.
Why was my claim denied?
There are many reasons why insurance companies deny claims, and on of those reasons may be that it just needs more information to understand your health condition.
In other cases, you may have to fiercely advocate for yourself or have someone do so on your behalf. This includes submitting a comprehensive appeal for your best chance at obtaining your employer-provided long-term disability benefits.
If your employer’s insurance carrier denies your long-term disability insurance claim, it is critical to understand the specifics. You need to determine why and evaluate how best to submit a viable appeal.