Latest Blog Posts

November 21, 2024

What You Need to Know About Appealing an LTD Denial Based on “Objective Evidence”

If your long-term disability (LTD) claim has been denied because of a lack of “objective evidence,” you’re not alone. Insurance companies often use this reason to deny claims, especially for conditions like chronic...

November 14, 2024

What to Do When Your Long-Term Disability Benefits Are Suddenly Terminated

If you’ve been receiving long-term disability (LTD) benefits, having them suddenly terminated can be devastating—both financially and emotionally. Insurance companies are often quick to cut off benefits, citing medical improvement, failure to...

November 7, 2024

10 Common Reasons Long-Term Disability Claims Are Denied—and How to Fight Back

Long-term disability (LTD) insurance is designed to provide financial support when you cannot work due to a disabling condition. However, insurance companies often deny valid claims, leaving claimants in a challenging situation....

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I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...

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I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...

Ms. B.

As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...

Dr. S.

My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...

Dr. JM

I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...

Dr. FM

am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...

I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...

Paula R.

I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...

Dr. G.

I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...

Table of Contents

Insurers’ Tactics For Denying Life Insurance Claims

Insurance companies are in business to make a profit. It is not in their interest to pay out on large life insurance policies without first exhausting every legal avenue for denial.

Types of Misrepresentation Claims That Insurance Companies Make

Other common denial tactics used by insurance companies to deny life insurance claims include:

Denials based on a claimant’s failure to disclose required information in the application process
Failure to strictly adhere to the claim filing process
Allegations of fraud or misrepresentation
Policy construction and interpretation issues
Effective date of coverage disputes
Disputed cause of death
Cancellation of a policy because of non-payment of premiums or other premium disputes

Legal Help to Fight a Denied Claim

The attorneys of Disability Insurance Law Group assist clients in Florida, throughout the Southeast and nationwide with their applications for life insurance benefits, appeals of denied claims, settlements and lawsuits. Contact us by email to schedule a free face-to-face or telephone consultation, or call our offices at 954-989-9000.