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What Are My Options Following A Private Disability Insurance Claim Denial?

  • Private Disability Insurance Benefit Denial Legal Options

Disability insurance claim denials which are not governed by ERISA give claimants and lot more options. In this video, disability insurance lawyers Gregory Dell and Cesar Gavidia answer the most frequently asked questions following the denial of a private disability insurance claim. There are numerous remedies available to claimants that have been denied. After watching our video, contact any of our disability insurance lawyers for a free consultation to discuss your claim denial.

There are 8 opinions so far. Add your comment below.


Very good informational video about individual disability claims. Is a decision of the US Department of Veterans Affairs that states an individual is 100% permanently and totally disabled admissible against a recalcitrant private disability carrier?


I’ve been with this company for at least 10 years, I never had to use my std insurance before, been on my job for 14 years. I pay for this insurance through my own but was turned down this year 2015 for std when I was not able to return back to work due anxiety, depression and panic attacks due to the lost of and love one (s) in the year of 2014. The last one my comm law husband in October 2014 of pancreatic cancer. The Colonial Life says they don’t pay for psychological or psychic conditions. I’ve worked and paid all this time and can’t get what I paid for. Is there anything else I can do, since then I’ve been let go also.

Attorney Stephen Jessup:


It is certainly proof of disability to be considered by the carrier, but does not bind the insurance carrier to make the same findings.

Attorney Stephen Jessup:


I am sorry to hear of your losses. Unfortunately, if the policy clearly states that it does not cover psychiatric illnesses then there is little that could be done. If the policy does not state this and Colonial Life is simply stating that your condition is not severe enough to result in disability then please feel free to contact our office to discuss what can be done.

Larry Schneider:

The above is just another reason why most, if not all group STD and LTD coverage can be more harmful than good when needed…it’s like walking on thin ice. As a claims consultant with 40 years experience and over 50 published artcles (why group LTD is not the best/yours for the asking) I can back up my contentions and whenever there is a choice between group coverage and individual disability insurance, if eligible, forget the cost and go for IDI.

Attorney Stephen Jessup:


I would agree with you with respect to quality of coverage and encourage those that can afford the premiums to pursue an IDI policy. The unfortunate reality is most people cannot afford the premiums.

Ken P.:

At what point is it to late to go after long term benefits that was denied to me, even though I ended up having back surgery to help with the pain I have. I worked for Home depot for five years and paid for std, and ltd insurance through the company. The underwriter was Liberty Mutual. Was denied over 2 years ago.

Attorney Stephen Jessup:


If you failed to file administrative appeals you may be barred from bringing lawsuit. Typically you have 3 years from the date of the denial of benefits to bring suit. Please feel free to contact our office to discuss your claim further.

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