Why Do Long-Term Disability Claims Get Denied?
Dell Disability Lawyers have handled thousands of long term disability insurance claims. Naturally we have seen a wide array of reasons by insurers for denying claims. Below are 10 of the most common reasons such claims are denied:
1. Surveillance: Insurance companies often hire private investigators to take surveillance videos of claimants to document evidence of the claimant’s ability or inability to work.
2. Online Evidence: Insurers commonly monitor claimants’ online activity and social networking accounts like Facebook.
3. Objective evidence: A lack of objective evidence or insufficient medical information.
4. Failure to meet definition of disability: The most common is when the definition of disability changes from own occupation to any occupation.
5. Policy limitations: Many disability policies contain limitations that make benefits for certain conditions payable for only limited periods of time. (Examples include disabilities due to mental illness or disabilities which are primarily based on self-reported symptoms)
6. Policy exclusions: Policies contain provisions which allow the insurer to avoid paying benefits in certain situations. One of the most common is a pre-existing condition.
7. Clerical or procedural errors: If a claimant fails to submit the required documentation in a timely manner the claim may be denied.
8. Failing to obtain appropriate treatment: If a claimant fails to see the appropriate doctor often enough the claim may be denied.
9. Compulsory medical exam: Insurer’s often require claimants to undergo medical exams by doctors hired by the insurer who find that the claimant is not disabled.
10. Improperly documented medical conditions: Claims are denied based on mistakes in the initial application and many times due to improperly documented medical conditions.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
90 days and still waiting
NY Life Short Term Disability Team is Terrible
Sedgwick will use the false need for discovery to deny your claim
Unum does not act as a fiduciary
UNUM denied my LTD claim after 6 months although my health continues to decline
Horrible STD Service. Run !!!!
Reliance Standard cut off LTD suddenly claiming I could do sedentary work after 10 plus years… no paperwork sent to appeal
Denial for benefits, Sedgwick is the worst
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Sun Life Wrongfully Denies Disability After Paying For 23 Months
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision
Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal
Prudential reverses decision to terminate LTD benefits of MRI Tech with Primary Progressive Multiple Sclerosis and degenerative Disc Disease
Engineer With Depression Wins Prudential LTD Appeal
New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis
Reviews from Our Clients






