• Application Tips: Lloyd's of London Disability Benefits - Top Denial ReasonsApplication Tips: Lloyd's of London Disability Benefits - Top Denial Reasons

Application Tips: Lloyds of London Disability Benefits – Top Denial Reasons

Lloyds of London has some of the most high level professionals, athletes, and celebrity clients in the insurance industry and is often most well known as an excess disability insurance carrier. Because of this, Lloyds of London policies are unlike any other type of long term disability policy in the business. At Dell & Schaefer, we’ve gained years of experience in handling Lloyds of London long term disability insurance claims and can help you navigate the ins and outs of this unusual policy. Read on for some tips and tricks to boost your odds of disability claim approval. What should long term disability claimants know before submitting their claim for disability benefits to Lloyds of London?

Lloyds Disability Policies Have Very Specific Policy Terms that are Strictly Enforced

The long term disability policies offered by Lloyds of London tend to have a term of a limited number of years – often just five to ten years. Generally speaking, the longer the term, the higher the premium cost. These policies will define “disability” in their own ways, but most will consider a claimant disabled if they are unable to perform the substantial material duties of their own occupation.

Some Lloyds policies will also require the disability claimant to establish that their disability has at least some level of permanency. In other words, someone who is temporarily unable to perform their job after a hip replacement or heart attack may not be able to receive long term disability benefits under their Lloyds of London disability insurance  policy because the disability should be short term in nature. However, not all Lloyds of London policies include the permanency clause, and a careful review of your long term disability policy can reveal how disability is defined.

Lloyd’s of London Will Always Use A Third Party Administrator to Handle the Claim for Benefits

When a claimant submits their long term disability claim to Lloyds of London, this claim is likely to be reviewed (and a decision to award or deny benefits is likely to be made) by a third party administrator hired by Lloyds of London. Lloyds of London tends to hire out its claim review, tasking this third party administrator with the job of obtaining all medical records, doctor statements, and other witness statements, as well as reviewing the investigation of the claims.

Although these third party administrators are hired by Lloyds of London, they aren’t necessarily trained to be disability specialists and may deny benefits based on a misunderstanding or misreading of the long term disability insurance policy. This is one reason it’s so important to seek legal advice before submitting a long term disability claim (or before appealing a denial of long term disability benefits).

The Medical Support Must be Documented with Specificity to Meet the Policy Term

It’s a disability insurance claimant’s burden to prove that they’re entitled to long term disability insurance benefits based on the language in the disability insurance policy. Part of this proof includes medical support and medical records from a wide range of sources. Claimants shouldn’t rely on just one doctor or just one specialist, as this may not provide a full picture of how the condition affects their ability to work.

It’s also important for claimants to carefully review their medical records to ensure that these records are in a form that will be readily accessible and understandable to Lloyds of London. Doctors are trained to communicate in a way that allows them to efficiently treat patients, not in a way that allows their patients to more easily qualify for long term disability insurance, so it can take some communication between a claimant, their attorney, and their doctor to begin to get these medical records into a more helpful format.

If you’d like help in managing your claim for long term disability benefits with Lloyds of London, contact Dell & Schaefer. Give us a call or visit our website today to schedule a FREE consultation with one of our experienced disability insurance attorneys.

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Do you help Lloyds Of London claimants nationwide?

We represent Lloyds Of London clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Lloyds Of London disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Lloyds Of London. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Lloyds Of London.

How do you help Lloyds Of London claimants?

Our lawyers help individuals that have either purchased a Lloyds Of London long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Lloyds Of London:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Celestine D.

I am a 61 year old Senior Business Analyst. I had been working at a health insurance company for approximately 11 years when I became disabled and have had numerous, bulging disks, nerves that were severely impinged, and active arthritis and degenerative disk disease throughout my spine. I underwent back surgery for L1 thru L5 infusion which included insertion of 2 titanium rods and 6 pins. I continue to undergo physical therapy 3 xs per week. Not to mention the surgery left me worse than before the surgery considered a FAILED BACK SURGERY. I’m unable to sit or stand for more than 2 hours with getting up. I am unable to walk for more than 1 city block. I also have many other medical conditions. After collecting LTD from Lincoln Financial for about 3 years, the harassment began. They decided that I was no longer disabled. In short they felt I was capable of returning back to the work force. (Social Security Disability deemed me permanently disabled)

After fighting with Lincoln and exhausting my appeals I decided to research and hire an attorney. I selected Dell & Schaefer based on their website, case success statistics, and the speed at which they returned my calls and emails.

Let me tell you, my experience in working with Rachel Alters and her assistant Michal Mizrahi is nothing short of outstanding. They responded quickly to phone calls and emails and were mindful of my concerns and information needs. Talking with the both of them made me feel confident and assured they were doing the best for me. I cannot say enough good things about Michal. She anticipated my needs and was proactive in keeping me informed as my case progressed. What a TEAM they make. Any time I reached out with questions or concerns they were very responsive and always left me feeling satisfied that I had the best in my corner. Rachel is an angel. She is so down to earth compassionate, professional and trustworthy attorney. Rachel was there to guide me from the start and helped me get through this stressful and lengthy process.

While attempting to handle it on my own, my long-term-disability claim had been denied two previous times. With the help of Rachel Alters and her team, I was able to obtain a settlement I never would have been able to get without their assistance. Rachel and her team far exceeded my expectations in every capacity. She was focused, clear, responsive, efficient and above all exceedingly knowledgeable.

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