Why did Principal not back me when Social Security did?

Answer

Durron, I am sorry to hear that your LTD claim was denied. While there are different standards for approving LTD and SSDI claims, I imagine that the same medical information was relied upon and thus you would think that if SSDI is approved, then LTD should be approved. It is common sense and most of our clients that get approved for SSDI have a good chance of either getting or staying on claim with LTD. However, the laws governing the claims do differ and the laws governing most group LTD policies favor the insurance companies. That being said, there is an appellate process and litigation that could have been commenced to challenge your LTD denial. However, if your claim was denied in 2009, there is a high likelihood that the time period to sue on that LTD denial has passed.