If Your Long Term Disability Claim Has Been Denied
Long Term Disability Claim Denial Attorneys
If your long term disability (LTD) insurance claim has been denied, you need to act quickly. You have a very short amount of time to begin your appeals process, and there are important steps that you need to take before filing your first appeal. You need the help of experienced long term disability claim denial attorneys to help you avoid the mistakes that can cost you your benefits. Please, talk to Fred J. Fleming right away.
Getting Started Right Away
When you receive your denial letter you only have 180 days, just under six months, to file your appeal. But you cannot just rush out and file an appeal. There is much work to be done, and it takes time.
Your LTDD claim denial attorneys must review your claim file to determine what you are up against and how to fight the denial. After we request your claim file from the insurance company, it can take as long as 30 days to receive it. That is all while the clock is ticking on the deadline to file your appeal.
We will need to gather a considerable amount of evidence to support your LTD claim, and that can take time too.
Medical evidence means more than your medical records. You need letters from your doctors, and other health care professionals treating you, explaining how your disability affects you and why it mean you cannot work.
We need to include letters of support from all types of medical professionals who treat you such as your physical therapist, chiropractor, general practitioner, and any specialists who have knowledge of your disability and how it affects you.
Just like it can take time to get your claim file from the insurance company, doctors and other medical professionals may be slow to respond to requests for letters of support.
Other Disability Benefits You Are Receiving
If you have been approved for disability benefits from anyone other than the LTD insurance company, we can use those decisions as strong evidence to support your claim. Simply being approved by another agency or entity does not guarantee that the insurance company must approve your claim, but it can be significant evidence in your favor if your appeals are denied and we move forward with a lawsuit.
- Social Security Disability
- State Disability
- Workers’ Compensation
- Disability retirement plan
Other Statements and Evidence
You should also collect statements from the people you know who have seen how your disability affects you. This can include your family members, friends, anyone living in your household, former co-workers, and others.
You may be able to get a letter of support from your former employer. This is someone who knows first-hand how your disability affects your ability to work.
To learn more about appealing your long term disability insurance claim denial, please call Fred J. Fleming at 1-800-882-5500 or contact us online to schedule your free consultation.