What are the five most common reasons for a long term disability insurance claim denial?
- What Are the 5 Most Common Reasons for a Disability Insurance Claim Denial?
Disability attorney Gregory Dell discusses the five most common reasons a long term disability insurance claim is denied.
Claimants often ask me what are the most common reasons for a long-term disability claim denial, so I have put together a list of the most five common reasons:
Number one is when you’re definition of disability could change from any occupation to own occupation.
Number two would be if the disability carrier conducted video surveillance of you. As you go through our website, you can see that we’ve done multiple videos on video surveillance, and I would encourage you to check those videos out.
Number three would be if your attending physician is not cooperating in filling out the paperwork for you or is not filling out the paperwork appropriately, that could also be a problem.
Number four would be if you are not getting the appropriate treatment or not seeing the doctor often enough. The disability carriers often want to see you go to the doctor on a monthly basis, however, you’re not required to go that often. As a rule of thumb, we generally say that if you have a physical condition, you should go to the doctor at least once every three months; if you have a psychiatric condition that’s disabling, you should go at a minimum of once a month.
And the fifth reason that a claim is most commonly denied would be for objective evidence versus subjective evidence. The disability carrier would say you just don’t have enough objective evidence to support your claim, and that would be something like you don’t have an MRI, you don’t have a CAT scan, you don’t have a lab report, you don’t have an X-ray. The problem is that there are many disabling conditions where you’re just not going to get any objective evidence to support your claim, so the carrier puts your back against the wall, which is a problem.
All of these issues that I’ve just mentioned, you can view other videos on our website for additional information and you’re always welcome to call us with any questions.
Request a Free Consultation
Click Here or call 800-682-8331 Now.
We respond the same day.
We represent disability insurance claimants all over the United States.
We have handled thousands of disability claims and you can read about them.
- Hartford has a Pattern of Conducting Surveillance on a Claimant’s Birthday
- Dell & Schaefer Successfully Appeals Denial Of Benefits To Former Excel Energy Employee
- Mutual of Omaha Reinstates Benefits of Business Development Manager after Appealing the Termination of Her LTD Benefits
- Attorney Alex Palamara Helps Correction officer to Win Cigna Disability Appeal
Read what our clients say about us.
- Jeff T. ·The best advice I received when I started the process of filing my disability insurance claim was to hire the best, most experienced disability insurance lawyer...› continue
- Beth W. ·My experience with attorney Stephen Dell and his ace paralegal, Merlin Bryan, was first rate. I am an attorney who found herself disabled at a relatively young age (52)...› continue
- John H. ·From the initial consultation through a successful resolution of my disability case, Alex and the team were professional and compassionate. The total team worked with...› continue