Denied long-term disability benefits? Find out how to get help with an appeal

Get legal help with long-term disability insurance

Do you need long-term disability benefits, but your previous claim was denied? An experienced LTD attorney may be able to help. Fill out the form on this page to learn more.

If you are unable to work due to a disability, you may be entitled to long-term disability (LTD) benefits that can provide critical financial support. But navigating LTD insurance can be overwhelming, especially when you are also dealing with serious health challenges.

Unfortunately, the application process is often complex, and many initial claims are denied. Whether you are preparing to file or dealing with a denial, understanding your rights and options is key.

An experienced long-term disability attorney may be able to help you apply for benefits, strengthen your claim and appeal a denial if necessary.

What is long-term disability insurance?

Long-term disability (LTD) insurance provides income replacement if you’re unable to work due to a serious illness or injury. It typically covers 60 to 80% of your income and can last for several years — or even until retirement — depending on your policy. Most plans include a waiting period, called an elimination period, before benefits begin.

This type of coverage can be a lifeline in the face of extended illness or severe injury.

The application process for long-term disability benefits

Filing a long-term disability (LTD) claim can be complicated, but knowing the basic steps can make the process easier:

Step 1: Complete the elimination period. This waiting period begins when you are diagnosed with an illness or injured. It typically lasts 30 days to one year, depending on your policy. Short-term disability coverage may help during this time.

Step 2: Submit your LTD claim. Once the elimination period ends, you can file a claim. Be sure to include thorough documentation, such as medical records, physician statements and employment details.

Step 3: Wait for the insurance company’s decision. The insurer will review your claim and decide whether to approve benefits. If your claim is denied, you may need to file an appeal or pursue legal action to fight for the benefits you are owed.

While a lawyer is not required to file a claim, an experienced long-term disability attorney may be able to help strengthen your case and improve your chances of approval.

Why are long-term disability claims denied?

Insurance companies deny long-term disability (LTD) claims for a variety of reasons. The reason for the denial will help you determine your next steps.

Some common reasons LTD claims are denied include:

• Insufficient medical evidence: If your documentation does not clearly show how your condition prevents you from working, the insurer may reject your claim.
• Missed deadlines or paperwork errors: Filing late or submitting incomplete forms can delay or derail your claim entirely.
• Disputes over the definition of disability: Insurers may argue that your condition does not meet their policy’s specific criteria for “disability.”
• Surveillance or social media activity: Insurance companies sometimes use surveillance or social media posts to claim you are not as disabled as reported.
• Pre-existing condition exclusions: Some policies exclude coverage for conditions that existed before the plan began.

Even if your claim is valid, insurers may still look for reasons to deny benefits. That is why it is important to understand your policy, keep detailed records and seek help if your claim is unfairly denied.

How to appeal a denied LTD claim

Being denied long-term disability (LTD) benefits can be frustrating, but it is not always the end of the road. Many initial claims are rejected, and you have the right to appeal.

To start the appeal process, carefully review the denial letter from your insurance provider. This document outlines the reasons your claim was denied and gives you a roadmap for what to address in your appeal.

To strengthen your appeal, gather new, targeted evidence, such as:

• Comprehensive medical records
• Detailed statements from your doctors
• Functional capacity evaluations
• Expert opinions about your work limitations

This additional documentation can help fill in any gaps in your original claim and directly respond to the insurer’s concerns.

When writing your appeal, be clear, organized and direct. Address each reason for denial with strong supporting evidence. A well-prepared appeal can significantly increase your chances of approval.

You should also consider working with a long-term disability attorney. An experienced lawyer can help you understand why your claim was denied, gather the right evidence, meet critical deadlines and present the strongest possible case. Having legal support during the appeals process may make a major difference in the outcome.

Working with an LTD attorney

A long-term disability (LTD) attorney can guide you through the appeals process and help you build the strongest possible case. Legal support may improve your chances of overturning a denial and securing the benefits you’re owed.

An attorney may be able to:

• Clarify confusing policy language and requirements
• Help gather and organize relevant medical and vocational evidence
• Prepare a thorough appeal package
• Represent you in court, if necessary

Time is critical when appealing a denied LTD claim. Contacting a lawyer early in the process can help protect your rights and keep your claim on track.

Fill out the form on this page to see if you qualify for a free case evaluation.