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Long term disability insurance is designed to protect you against unforeseen illness or injury that may leave you unable to work. If you have filed your disability insurance claim and received an unfavorable decision, Sokolove Law may be able to help you take legal action.
Denial of your long term disability insurance claim is a setback with serious financial and emotional impacts.
Knowledge, persistence and patience are your strongest allies in fighting for and winning the compensation you may deserve. The following steps are offered as a general guide to a long term disability appeal. Keep in mind, however, that the appeals process varies somewhat among insurers, and denials are often based on technical issues rather than merit. Working with a long term disability attorney to handle your appeal or review your paperwork can help you avoid delays and costly errors.
To notify you that your claim has been denied, your insurer must send you a letter that covers the following points:
Read the letter carefully. If the language is vague or you don’t understand something, call the claims representative and ask for an explanation. Remember, your purpose at this point is to get information, and you’ll be more likely to get it if you’re pleasant and courteous.
Depending on what you learn from the claims representative, you may want to follow up with more specific questions. For example:
Deadlines are critical in any legal process. Missing a deadline can have serious consequences, from frustrating delays to forfeiture of your right to appeal. The deadline for filing a long term disability appeal should be included in the insurer’s denial of claim letter.
The deadlines for appealing a denial from a group disability insurance plan provided by your employer are set forth in the federal law known as ERISA, and most (but not all) individual policies also follow ERISA rules. Under ERISA, you have 60 days to appeal the denial, and the insurer has 60 days to conduct a review, followed by another 60 days if necessary. The insurer’s review must be conducted by someone who has greater authority than the representative who originally denied the claim.
Be sure to set reminders to notify you of an approaching deadline. To avoid complications and delays, it’s best to submit your appeal as early as possible.
Try to approach every contact with your insurer as the fact-finding mission it is. Although you may feel angry or threatened by the denial of your claim — or frustrated because you’re one person fighting a big insurance company — hostility and sarcasm won’t help.
Before you call your insurance company, take a few minutes to gather your thoughts and make some notes. It will be easier to maintain a cool head if you’re well prepared. For written communication, read your email or letter aloud in the presence of a friend or family member and ask for their input before you send the message.
Remember – you can vent your frustration with a trusted friend or your spouse, but the goal of every communication with your insurer is to move the process forward.
After talking with your long term disability claims representative, you’ll probably know what kinds of additional information you must submit to answer questions and clarify details. Following are some examples of documentation that can help support your appeal.
Start by identifying any doctors’ statements or other medical records the insurance company is missing.
After you’ve compiled your documentation, write a letter of appeal that states your case, point by point.
Send the letter by overnight or certified mail with return receipt requested, and be sure to keep the proof of delivery.
After a couple of weeks, call the insurer to make sure your letter was received and to ask how your appeal is progressing. This is a good time to remind the insurer that you intend to continue the appeal process until your claim is approved.
If your long term disability appeal is denied, ask your insurer to consider another appeal. Then repeat the first six steps, with an emphasis on finding new information to change the insurer’s mind. If you haven’t worked with an attorney up to this point, this may be a good time to contact us for long term disability insurance denial advice.
Filing a complaint with your state’s Insurance Department while your second appeal is under review will lay the groundwork for you to file a lawsuit if your appeal is again denied. Although your insurer may not reverse the denial of your claim as a result of your complaint, you are required to exhaust all administrative remedies before you file suit — should you fail to exhaust your administrative remedies, your suit could be dismissed. If your policy was purchased individually and is not subject to ERISA, you may not be required to exhaust administrative remedies before you sue.
Even if you’ve exhausted the appeals process and your claim hasn’t been approved, don’t give up hope. Consider consulting a qualified long term disability claims attorney who can advise you on your case. If you decide to proceed, your attorney can file a suit against your insurer in an attempt to have the denial of your claim overturned.
Learn more Do's and Don’ts of fighting back against unfair long term disability insurance denial.
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