Long-term disability benefits provide financial assistance to individuals unable to work due to a prolonged illness or injury. These benefits are typically available to employees with an insurance policy through their employer or who have purchased individual coverage. To qualify, you must meet specific criteria outlined in your policy, such as being unable to perform your job duties for an extended period.
Potential reasons for a claim denial
Facing a denial after submitting a long-term disability claim can be frustrating. Here are common reasons why claims might face rejection:
- Insufficient medical documentation to prove disability
- Missed deadlines for submitting required paperwork
- The insurance company believes the condition is not severe enough to warrant benefits
- Pre-existing condition clauses within the policy
- Lack of clarity in the definition of disability according to the policy
Understanding these reasons can help you pinpoint areas that need strengthening in your appeal.
How legal professionals can support your appeal
A disability claim denial can be disappointing, but don’t lose hope. While legal professionals cannot accelerate the process, it ensures your appeal is thorough and accurate, which is crucial for success.
They can help gather and present compelling medical evidence, adhere to strict deadlines, and interpret complex policy language. By submitting a well-prepared appeal, you reduce the risk of another denial, preventing further delays and frustration.