Application Tips: Lloyds of London Disability Benefits – Top Denial Reasons
Lloyd’s 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, Lloyd’s of London policies are unlike any other type of long term disability policy in the business. At Dell Disability Lawyers, we’ve gained years of experience in handling Lloyd’s 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 Lloyd’s of London?
Lloyd’s Disability Policies Have Very Specific Policy Terms that are Strictly Enforced
The long term disability policies offered by Lloyd’s 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 Lloyd’s of London disability insurance policy because the disability should be short term in nature. However, not all Lloyd’s 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 Lloyd’s 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 Lloyd’s of London. Lloyd’s 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 Lloyd’s 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 Lloyd’s 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 Lloyd’s of London, contact Dell Disability Lawyers. Give us a call or use the contact form to schedule a FREE consultation with one of our experienced disability insurance attorneys.
Resources to Help You Win Disability Benefits
Get Your Lloyd's of London Disability Application Approved
Prevent a Lloyd's of London Disability Benefit Denial
Negotiate a Lloyd's of London Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Attorney Alexander Palamara of Dell Disability Lawyers gets LTD Benefits Reinstated for former Walmart Manager who is now found disabled from Any Occupation
NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision
Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.