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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.

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Disability Benefit Tips

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Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

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Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

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Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

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Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

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Sun Life Wrongfully Denies Disability After Paying For 23 Months

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Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision

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Prudential reverses decision to terminate LTD benefits of MRI Tech with Primary Progressive Multiple Sclerosis and degenerative Disc Disease

The claimant is a 58-year-old former MRI Technologist for Fairview Health Services who has long suffered from the debilitating effects of her chronic medical conditions. She has a history of neck pain as well as right arm pain and numbness dating back to 2005 with a reoccurrence of severe symptomatology in 2013. MRI of her cervical spine performed in August of ... Read More >

Engineer With Depression Wins Prudential LTD Appeal

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New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis

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Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This case supports all claimants that are disabled and claim that they cannot return to work as the requirements of their job will aggravate their symptoms and make them unable to work.Mark was a personal injury litigation attorney, when he began struggling with symptoms of... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

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Court Finds Irregularities in Procter & Gamble Disability Insurance Benefit Denial

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Reviews from Our Clients

S.S.

I am a physician in my 30s who was practicing in my hospital based medical specialty until my Multiple Sclerosis diagnosis began to severely limit my physical ability to work.

My husband and I were obviously in distress at these very unwanted life changes and frankly overwhelmed with the possibility of a long and traumatizing legal battle ahead of us. We knew we were legally entitled to benefits through the separate private individual and employer based ERISA disability insurance policies we had, but even cursory research and discussion with colleagues made it clear that insurance companies will strategize with their own legal teams to find ways to not pay out benefits. We found many before us who had fallen unwittingly into legal pitfalls that prevented them from ultimately obtaining benefits. We realized we needed to seek legal counseling.

We found Dell Disability Firm through their youtube channel where their associates have videos discussing the legal intricacies and latest developments in private disability law. I was impressed by their dedication to the field and reached out through their website to request a free consultation.

We were delighted to hear that Mr. Steven Dell himself would be willing to take our case and felt assured that we would be represented by the best of the best.

We have not been disappointed in our expectation and have, in fact, been consistently very impressed. Steven Dell is clearly both knowledgeable and wise about dealing with these issues but more importantly, has shown kindness and impeccable honesty at each step of the way.

Merlin has demonstrated a very high capacity for organizing and handling the endless myriad of documents and communications between us and the insurance companies. She has also been very compassionate, accessible and forthcoming in dealing with our many anxiety fueled emails and telephone calls to her and we are very grateful for her involvement.

For over 7 months, we have been working closely with Steven Dell and Merlin Bryan from Dell Disability Lawyers as they have guided us through the process of review and initial application for benefits from our two insurance policies (Hartford and Ameritas).

We are happy to announce we just received approval of claim from the Hartford insurance company.

At this time we are still working with this firm as we await the final decisions from Ameritas policy that we are hopeful will have a similar outcome.

As anyone with a chronic and progressive illness can tell you, time becomes a very precious commodity. Through their representation, Dell Disability Associates has allowed us to focus the majority of our time enjoying the time and function I have left while resting assured that our disability case laid in competent and caring hands.

The truth is that no amount of money can make up for what we have lost, but it is a huge comfort to have a team like Dell Disability Lawyers at our sides to help us ensure we will be able to continue to care for ourselves and our families.

We highly recommend Dell Disability Lawyers, Mr. Steven Dell and Ms. Merlin Bryan to handle your disability insurance claim.

Thank you Steven, thank you Merlin!

We will certainly plan on leaving another review for completeness once we have our final decision from Ameritas.

Paula B.

I have been working with Dell Disability Lawyers for the past 5 years concerning my disability as it pertained to my employer. I have been more than pleased with them the entire time. They have always kept me informed of any paperwork needing completed or any changes coming ahead. Nothing has been a surprise. I would recommend them to you to help with your disability case if you’re trying to dip into the policy you’ve been paying for.

Michael M.

I am a physician who has been disabled for over 10 years. During this time I have been represented by Cesar Gavidia and his assistant Danielle Lauria. Their representation on my behalf has allowed me to concentrate on dealing with my disability/disease process and all associated complications and not having to deal with all the things that are necessary in a disability claim. Based on my personal experience from many years of practicing medicine I would consider their work product, insight and effort in the disability claim procedures to be superior. I would recommnend them, which I have done, with my highest level of confidence. In short, you well served with this practice.

Dan P.

I had to retire from my career due to a bad back that restricted me from performing my duties. I had LTD insurance and after a few years of receiving monthly benefits from this insurance company, they notified me that my benefits were terminated stating that I don’t qualify due to my duties not fitting into some “national job description” and a nurse had deemed me eligible to go back to work. Its a crushing feeling to have this told to you over the phone with hardly any information given. Luckily, I came across Dell Disability Lawyers and spoke with Attorney Palamara who calmed me down and stated they would take my case. Within a couple of months my benefits were restored, and I had piece of mind. I cannot thank Attorney Palamara and the staff enough at Dell Disability for their professionalism, no nonsense approach, personal and timely communication and quick ability to litigate my case.

Jen S.

I wanted to thank Mr. Symonds and his legal assistant Sonia for their professionalism, guidance and dedication towards my LTD claim. Going through the denial process on my own was going to get me sicker and knew it was time for help right away. I reached out to Dell Disability Lawyers for assistance and not too long after my call, I was connected with Sonia – Soon after that, I was talking about my case with Mr. Symonds. After a long and tedious process with the LTD insurer, we won the case. The wait can absolutely be lengthy, but in the end, it was all very much worth the fight. Thank you both so much for all that you have done for me! I also want to thank those who assisted in keeping me updated, as needed. Highly recommended for anyone who is going through the brutal process of an LTD denial.

Carl G.

I would like to thank Dell Disability Lawyers for taking care of my case and help me get the insurance coverage that I was rightfully in need of. Specially, I would like to thank Lawyer Alexander Palamara and RIGHT-HAND legal assistant, Sonia Nogueira, who made this process less stressful. They answered all my questions and kept me informed every step of the way.

Don’t get me wrong. They never promised or told me that I was going to win my case, as no one can guarantee that for you. What they did do, was letting me know that they were working hard for me and to keep positive. Something that I recommend everyone to do is to subscribe to their YouTube channel. That will give you an idea on how they operate and why they (for most of their cases) win their cases.

Since I was awarded disability, I am still having surgeries and thanks to Dell Lawyers, I’ve been able to cover all those expenses.

Warm regards to everyone at Dell.

Clarisa B.

I’m so very Grateful and Thankful for the team at Dell. They worked tirelessly to get the best outcome for me. I’m so glad that I found them!!

Carole S.

Exceptional efficient and professional service from Jay Symonds and Sonia Nogueira. They were both so helpful and knowledgeable and navigated me through a very stressful and difficult situation with New York Life.

K. S.

Awesome team. Jay and his team, Sonia and Francesca, truly care. This team is very Professional and quick to respond. Jay always provided answers in detail to my questions. I strongly recommend Jay Symonds.

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