Fields Disability Claims attorneys emphasize that just because your private disability insurance benefits were denied, it does not necessarily mean that your long-term disability claim is not valid. The three usual reasons why long-term disability benefits can be denied:
- Inadequate Medical Support: Medical records can help prove how severe your injury or disability is, as well as the impact on your ability to work. If your claim is missing important information, the insurance company may deny your claim due to a lack of evidence.
- Definition of Disability: Each long-term insurance policy may have a unique disability definition. Some policies have guidelines which are much stricter than others, and certain medical conditions may even be excluded. It’s important to understand what your policy allows, and what criteria must be met in order to qualify.
- Social Media Investigation: Insurance companies can also deny your claim if they find examples of behavior where you appear to be able to perform activities despite your illness or injury. A common source used by the insurance companies includes searching your social media accounts to show that your condition is not as limiting as you claim.
Long-term disability insurance (LTD) is an employer-sponsored insurance policy that is designed to protect an employee from loss of income in the event that he/she becomes incapable of work, due to illness, injury, or accident, for a long period of time. It usually pays about 50% – 70% of a disabled employee’s current pay and is generally designed to last up to 10 years or until the disabled employee turns 65. LTD insurance, however, does not pay cash benefits to employees who sustain work-related accidents or injuries that are covered by Workers’ Compensation Insurance program.
Often, however, despite the obvious disability and timely payment of premiums, many LTD insurance firms make it difficult for claimants to enjoy the financial benefits specified in their policy. This is because though long-term disability insurance is supposed to help take care of a disabled policy holder who cannot go back to work for weeks, months, or even years, many insurance companies, according tare out to protect their profits, not their policy holders’ best interests.
As this is often the case, it may be wise to seek assistance from a skilled long-term disability attorney. Besides knowing how the system works, he/she may also be able to help make sure that an application is accurate, complete, and submitted on time.