• The 5 Most Common Reasons for a Disability Insurance Claim Denial

What are the five most common reasons for a long term disability insurance claim denial?

Disability attorney Gregory Dell discusses the five most common reasons a long term disability insurance claim is denied.

Claimants often ask me what are the most common reasons for a long-term disability claim denial, so I have put together a list of the most five common reasons:

  1. Number one is when you’re definition of disability could change from any occupation to own occupation.
  2. Number two would be if the disability carrier conducted video surveillance of you. As you go through our website, you can see that we’ve done multiple videos on video surveillance, and I would encourage you to check those videos out.
  3. Number three would be if your attending physician is not cooperating in filling out the paperwork for you or is not filling out the paperwork appropriately, that could also be a problem.
  4. Number four would be if you are not getting the appropriate treatment or not seeing the doctor often enough. The disability carriers often want to see you go to the doctor on a monthly basis, however, you’re not required to go that often. As a rule of thumb, we generally say that if you have a physical condition, you should go to the doctor at least once every three months; if you have a psychiatric condition that’s disabling, you should go at a minimum of once a month.
  5. And the fifth reason that a claim is most commonly denied would be for objective evidence versus subjective evidence. The disability carrier would say you just don’t have enough objective evidence to support your claim, and that would be something like you don’t have an MRI, you don’t have a CAT scan, you don’t have a lab report, you don’t have an X-ray. The problem is that there are many disabling conditions where you’re just not going to get any objective evidence to support your claim, so the carrier puts your back against the wall, which is a problem.

All of these issues that I’ve just mentioned, you can view other videos on our website for additional information and you’re always welcome to call us with any questions.

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Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Monica J.

After a spinal injury and subsequent surgery which left me unable to continue working, I filed for my long term disability benefits on my own. As the extent of my injuries and disability were obvious, I expected that I would have no issues receiving the long term benefits through my employer’s carrier for which I had paid for several years. I could not have been more wrong.

After receiving a denial from the long term disability insurance carrier for the claim I filed on my own behalf, I researched legal firms specializing in assisting persons like me, who had been denied their benefits. I chose Dell & Schaefer because they had over 30 years successfully advocating disability claims; their reputation for obtaining benefits was stellar; and, after my initial consultation, I was impressed with their knowledge and professionalism.

Attorney Stephen Jessup did an exemplary job in obtaining a reversal on the denial of my long term disability benefit claim. At every step in the process, Stephen kept me informed, discussed all the issues with me, and treated me with respect and dignity. I appreciate the continued assistance and support of Dell & Schaefer and their team of knowledgeable disability attorneys and support staff. I would recommend Dell & Schaefer to anyone seeking to receive long term disability benefits for which they are entitled. This firm is successful in obtaining benefits for disabled clients. Further, they are knowledgeable, professional, personable, and most importantly approachable and responsive.

***** 5 stars based on 202 reviews

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