How Do I File an Appeal for a Denied Long-Term Disability Claim?

At Disability Insurance Law Group, our long-term disability insurance claims attorneys represent policyholders nationwide whose claims have been denied.

We understand the devastating impact a denial letter can have on you and your family’s physical, emotional, and financial well-being. Without the income provided by long-term disability benefits, you may struggle to cover basic living expenses like mortgage or rent payments, utilities, groceries, and medical expenses.

This can lead to mounting debt, foreclosure or eviction, and other financial difficulties that are difficult to bounce back from, especially while learning to live with a disabling condition.

Filing an appeal for a denied long-term disability claim can be complex. We can help.

Whether you contact us upon receiving your denial letter or if you have attempted to appeal the decision on your own already, our skilled long-term disability insurance claims attorneys can provide you with expert advice on the strength of your case, potential legal arguments, and the most effective strategies for appealing the denial.

Can I File a Denied Long-Term Disability Insurance Claim Appeal Without an Attorney?

While it is possible to file a denied long-term disability insurance claim appeal without a lawyer, your approach must be thorough and meticulous.

To maximize your chances of success, take the time to understand your rights and:

• Read the denial letter provided by your insurance company carefully. This letter should outline the reasons for the denial and any specific requirements or deadlines for filing an appeal.
• Familiarize yourself with your long-term disability insurance policy. Pay attention to the definitions, coverage limitations, and any appeals-related clauses.
• Collect all relevant medical records, test results, doctor’s notes, and other evidence supporting your disability claim. Ensure your documentation demonstrates the severity of your condition and how it prevents you from working.
• Write a formal appeal letter addressing the reasons for the denial and providing additional evidence to support your claim. Be concise, clear, and organized in your presentation of facts. Include references to specific policy provisions and medical evidence, where applicable.
• Send your appeal letter along with all supporting documentation to the address provided by your insurance company. Consider sending your appeal via certified mail with a return receipt requested to ensure it is received. Make sure to keep copies of everything you send for your records.

After submitting your appeal, follow up with the insurance company to confirm receipt and inquire about the status of your claim. Remember that each insurance company may have slightly different procedures and requirements for appeals, so it is essential to carefully review the information provided by your specific insurer and consider seeking professional assistance from an attorney if needed.

How a National Denied Long-Term Disability Insurance Claim Appeal Attorney Can Help

Consulting a lawyer specializing in disability insurance claims can provide valuable guidance on the appeals process and help you navigate legal complexities without further delays. Our skilled denied long-term disability insurance claims attorneys represent policyholders nationwide when filing appeals for the benefits they are entitled to.

As your lawyer, we will:

• Review the denial letter and insurance policy to understand the reasons for the denial and identify potential errors or misinterpretations.
• Address the specific issues raised by the insurance company and comply with the terms of your policy.
• Gather the necessary medical records, expert opinions, and other persuasive evidence to support your disability claim by demonstrating the extent of your disability and its impact on your ability to work.
• Draft a thorough and compelling appeal letter on your behalf that clearly addresses each reason for the denial and provides additional evidence to support your claim while ensuring that your appeal complies with any procedural requirements set forth by the insurance company.
• Negotiate with the insurance company on your behalf to advocate for a fair settlement that gives you the benefits you are entitled to under your policy to resolve the dispute without litigation.

If negotiations are unsuccessful, our dedicated long-term disability insurance claim denial attorneys will file a lawsuit in court and advocate for your rights at every stage of the legal process, including discovery, motions, hearings, and trial if necessary.

Dealing with a denied disability claim can be emotionally taxing. We can provide you with much-needed support and reassurance throughout the appeals process, helping to alleviate some of the stress and anxiety you may be experiencing.

With over 50 years of combined experience, our trusted insurance claims attorneys can significantly increase your chances of success in appealing a denied long-term disability claim.

Contact Our Skilled long-term Disability Insurance Claims Attorneys Today

Contact our skilled long-term disability insurance claims attorneys in Florida today by calling (954)-989-9000 or contact us online to schedule a free and confidential case assessment so we can provide you with the knowledge, guidance, and advocacy needed to challenge the denial and effectively obtain the benefits you deserve.