• Application 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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Questions About Hiring Us

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.

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I was recommended to Dell & Schaefer via another attorney. I was not sure of what the process would require of me at the time. I was hesitant to follow through because of my disruption in communicating skills and the frustration of dealing with the insurance company on my own. Ms. Alters and Sonia Nogueira are so very understanding and companionate though working diligently to resolve my issue.

I felt as if they had my best interest at heart. I appreciated the continual communication and explaining of the process and where it could possibly go. I would highly recommend this firm, Ms. Alters and her team to anyone who feels they have done all they could do, because as I found there was a lot more that this talented firm accomplished.

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