What Do I Do When My Long Term Disability Claim is Denied?

When a person becomes disabled, it can greatly impact their life. It not only requires them to adjust to a new life, but it can cause significant financial burdens and prevent them from going back to work. When an individual is overwhelmed with bills and not receiving an income, they may be worried about how to make ends meet. This is why they may be eligible to receive long term disability.

Long term disability is a type of insurance that provides disabled individuals with certain benefits. These exist to cover the individual’s bills and lost wages as a result of the disability. In order to receive these benefits, the individual must file a claim to do so. This requires them to meet certain criteria and submit any necessary documentation. When the claim is reviewed, it will either be approved or denied.

What if My Claim is Denied?

It can be an upsetting time in a person’s life if their claim for long term disability is denied. When an individual desperately needs these benefits, they can be unsure of where to turn or what to do next. When this happens, it is important to know that they have the right to file an appeal for their claim. This should be done as soon as possible when the individual receives notice of their denial, as the appeal claim must be filed within 180 days of the denial.

During this time, the individual should hire an experienced attorney to assist them through preparing an appeal. It is crucial that the individual has their attorney write the appeal letter for them. They can do so by gathering all the necessary information and working with the individual’s doctors to build a case for a successful appeal.

Appeal Denials

There are some cases in which even an appeal for long term disability benefits can be denied. In the event that an individual receives a second denial, it can be even more frustrating than the first time. When this happens, it is important to know that there are still options to pursue these benefits. Many times, the individual must appeal the claim once again. Another option available to individuals is to file a lawsuit. This takes place in federal court in front of a judge that makes a decision without the assistance of a jury. This process can be done with the help of an experienced attorney.

Contact our Firm

Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.