Many of the most profitable long-term disability insurance companies in America are also the most efficient when it comes to unfair and unwarranted long-term disability insurance denials. This practice increases the wealth of its executives and investors and harms the one group it is in business to protect: its policyholders.
Learn more about appealing an LTD insurance denial today by getting a free legal case review or calling (800) 995-1212. We’ll fight hard to get you everything you’re entitled to.
Long-Term Disability Companies and Bad Faith
Companies that offer long-term disability insurance hold a legal duty to their policyholders to act in good faith and honor legitimate claims — but that’s not always the case.
A bad faith or unfair disability insurance claim denial is just one way long-term disability insurance providers fail to uphold their duties as insurers. These practices have resulted in countless long-term disability lawsuits throughout the nation.
If your long-term disability insurance company wrongfully denied your claim, don’t give up. You may be able to appeal their decision and secure the benefits you’re owed.
Don’t Take No for an Answer
We’ve recovered over $121 Million for clients with denied disability claims. Let us get you the money you deserve.
Insurance Providers Known for LTD Denial
A few of the long-term disability insurance companies known for unfair denials include:
- Disability Management Services
- Guardian Life
- The Hartford
- Liberty Mutual
- Lincoln Financial
- Lloyd’s of London
- The Standard
- State Farm
What Can You Do About Long-Term Disability Insurance Denials?
Every state has laws banning bad faith insurance practices. However, large long-term disability insurance companies have ample legal resources at their disposal to challenge your complaints. You don’t have to face this long and discouraging battle alone.
A long-term disability attorney with years of experience in disability denials can assist you in your fight to reclaim the benefits and compensation you deserve.
When you work with Sokolove Law, our experienced attorneys may be able to help level the playing field between you and your insurance provider by:
- Gathering evidence to strengthen your case
- Filing the appeal with the insurance provider on your behalf
- Representing you in court if necessary
Don't Give Up on Your Benefits
We've helped clients across the country challenge their insurer's decision and secure the benefits they deserve.
Get Help Appealing a Denied LTD Claim
If you have become a victim of long-term disability insurance denial, you don’t need to accept the initial denial as final. By working with a long-term disability denial lawyer, you can get experienced legal help appealing your insurer’s decision.
Over the last 40+ years, Sokolove Law has recovered over $121 Million for clients with long-term disability denials. We have the resources and experience to help you fight for any benefits you may be entitled to.
Long-Term Disability Insurance Companies FAQs
What’s long-term disability insurance?
Long-term disability (LTD) insurance is an insurance policy that provides financial benefits to a person who is unable to work due to an accident, illness, or injury.
This type of insurance policy is meant to provide the employee with a portion of their income to cover their expenses while they’re unable to work.
Can I appeal a denial from a long-term disability insurance company?
In many cases, yes. Most long-term disability insurance plans allow you to appeal a claim denial. Our long-term disability lawyers may be able to handle the appeal process on your behalf. Contact Sokolove Law today to learn more.
Why do disability insurance providers deny LTD claims?
If you have been denied long-term disability benefits, your insurance provider may have claimed that:
- You failed to disclose a pre-existing health condition
- Your medical examinations were insufficient or inadequate
- There were problems with your paperwork or documentation
- The claim you filed was for a medical condition that is not a “covered” disability
- Your procedure was elective, not medically necessary
Even loyal, long-term policyholders who have been paying regular premiums for years can fall victim to wrongful disability denials. If you become ill or injured and are unable to work, you may need to depend on your long-term disability insurance for your financial security.
Facing a denial of these benefits could result in the:
- Denial of your health care
- Immediate loss of your regular income
- Loss or foreclosure of your home
- Loss of your savings
Get a free case review today to see if Sokolove Law can help you fight your insurer’s denial.