Everything About Long-Term Disability Claims

Everything About Long-Term Disability Claims

Category: Disability Law

Sometimes the insurance company denies or terminates long-term disability claims for various reasons. You might find it difficult to identify and resolve the dispute then. Even the insurance company doesn’t provide the reasons for claim rejection. If you have been into any such problems or want to learn ways to deal with them in the future, you are at the right place.

Filing a lawsuit is the right thing to do, especially when you don’t have remaining appeals or are not in a position to reconsider the determination. A lawsuit firm can help you settle the dispute for your long-term disability claims. Want to learn more? We got your back.

Why Do Insurance Companies Deny Long-Term Disability Claims?

When an insurance company denies your long-term disability claims, it’s because of one of the following reasons:

  • Insufficient Medical Documentation

The common reason why an insurance company might reject your long-term disability dispute is insufficient or incomplete medical documents. You must present the documents proving your disability and that you cannot work. Most of the time, the insurance company doesn’t explain the documents required for the claim. In this case, you need a mediator to resolve the dispute and help you with the claim.

  •  “You Are Not ’Totally Disabled’”

Insurance companies use the misleading term “totally disabled” to reject long-term disability disputes. Being disabled doesn’t mean you must be paralyzed to claim the disability. It simply means you can’t perform various activities and tasks in your profession due to an injury or illness. 

  • “You Can Do Similar Work”

Sometimes an insurance company won’t approve your claim because you can perform the tasks and functions required for other occupations. However, that is not the case. Once you have the medical certificate from the doctor about your long-term disability, the insurance company can’t declare that you are fit for other professions. 

  •  “We Have Surveillance On You”

Insurance companies use this tactic very often to reject long-term disability claims. It happens when the insurance company tries to scare the claimants by bullying them. You need to immediately file a lawsuit if the insurance company rejects your claims and tries to threaten you with surveillance footage.

  • The Insurance Medical Consultant Doesn’t “Think You Are Disabled”

The insurance company can reject your claims by saying that their medical consultant didn’t find you disabled. However, doctors hired by some insurance companies are not qualified; even if qualified, they might not have expertise in your case. Therefore, you must consult a lawsuit firm to help you resolve this dispute.

When Should You File a Lawsuit Against Termination of Long-Term Disability Disputes?

An insurance company might reject your long-term disability disputes for one of the above reasons. Regardless of the reason for the dispute, you can contact a reliable lawsuit firm and defend your position. Having authority by your side, you can complete the process of disability claims.

Sometimes, two levels of appeals are necessary according to the policy and plan. If you don’t understand complicated policies, you should consult a mediator. A mediator will assess your case and policy from the insurance company. Since they understand the law, they can respond to the company on your behalf and get you through the process.

Remember that the insurance company will devise various tactics and excuses to reject your claim. But, if you stand strong with the help of a professional lawsuit firm, you can easily win the disability dispute. The lawsuit firm will file the case in court and defend you by collecting proof and supporting documents.


Looking for a lawsuit firm that can help you get through your long-term disability claims? If yes, then consult experts at Huddleston, Robbins & Riddle. Our professional mediators will understand your case and help you get the disability benefits claims. Also, we can help you get an attorney to defend your case in court. Want to learn more? Let’s get in touch with our experts.




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