What Happens When Long Term Disability Insurance Claims Are Denied?

If you're one of the thousands of policyholders whose long term disability insurance claim has been denied, do you have to accept a long term disability insurance claim denial? Absolutely not. Long term disability insurance lawyers say that you can, and should, question your insurance company's decision - especially since so many long term disability insurers deny claims in bad faith.

What to do when your carrier denies your long term disability insurance claim

If your long term disability insurance claim has been denied, you must generally ″exhaust your administrative remedies″ by filing a written appeal with the insurance company requesting that your claim be reviewed. Depending on the insurance company and insurance policy language, that could take days, weeks or even months. The sad reality is that many long term disability insurance companies don't take written appeals seriously as many people will simply accept the company's decision without fighting back.

Hiring a long term disability insurance lawyer to represent your interests puts you on equal ground as he or she will look at your entire claim history to determine whether the insurer acted in bad faith and explain how you can fight appeals and claim denials.