Has Your Long-Term Disability Claim Been Denied?
When you purchase Long-Term Disability insurance, you expect to have protection if you become unable to work due to a disability or injury. You expect the insurer will pay when you make a valid claim. However, the goal of insurance companies is to make money. Insurance companies make money by selling insurance, including long-term disability policies; they do not make money by paying claims.
If your long-term disability claim has been denied or if your benefits are cut-off, MRPC lawyers can help you. We have years of experience demanding insurance companies pay our clients the money they are owed under long-term disability policies. We know how insurance companies make decisions to deny or cut off long-term disability claims and we know how to enforce your rights.
Insurance companies use many invalid reasons to deny your long-term disability claim or to cut you off from the benefits you have been receiving. These reasons might include:
1. You Are Not “totally disabled”
Totally disabled is a misleading insurance term. You don’t need to be paralyzed or have a severe brain injury to qualify for long-term disability. Totally disabled means that you are unable to do substantial parts of your occupation or any occupation for which you are suited for by training, education or experience. You may have received a letter from your insurance company telling you that you aren’t ‘totally disabled’; they are often improperly relying on the wrong definition of ‘totally disabled’. Contact us for a free consultation if you receive a letter from your insurance company denying benefits for this reason.
2. Insufficient Medical Documentation
Often insurance companies will deny your claim on the basis that the medical records and documentation you provided don’t support your claim that you are disabled from working. This is often an insurance tactic. They usually do not explain why your documents are not sufficient to support a claim for long-term disability. If your doctors or medical team state you are disabled, generally you should qualify for long-term disability. Contact us for a free consultation if you receive a letter from your insurance company denying benefits for this reason.
3. You Can Do Other Work
Many people are cut off from their long-term disability benefits around two years into their payments because the insurance company says that they can do another job. Often your doctors may say you cannot do any other job. Contact us for a free consultation if you receive a letter from your insurance company denying benefits for this reason.
4. Insurer’s Medical Consultant Doesn’t Agree You are Disabled
Many insurance company’s ‘medical consultants’ aren’t even doctors or they are doctors that don’t have the expertise to comment on your disability. Insurer medical consultants often simply review your medical file and don’t ever assess you in person. Contact us for a free consultation if you receive a letter from your insurance company denying benefits for this reason.
5. Surveillance Has Been On You
Intimidation tactics are unacceptable. If your insurance company denies your long-term disability claim due to this stated reason Contact Us for a free consultation.