Guardian Life, a Fortune 300 company, is one of the largest insurers in the United States. To maintain this top position and ensure the continued wealth of its executives and investors, Guardian Life has allegedly denied valid long-term disability claims at the expense of the very people it is supposed to protect: its policyholders.
If Guardian denied your long-term disability claim, contact Sokolove Law today for a free legal case review. We’ll fight to get you the benefits you deserve.
Guardian Disability Insurance & Unfair Denials
If you are a policyholder of Guardian Life insurance and have fallen victim to their disability insurance claim denials, you’re not alone. Their history of routine denial practices have become the focus of nationwide investigations and Guardian lawsuits.
Insurance companies hold a legal duty to their policyholders to act in good faith and fair dealing. If your insurance company has failed to uphold this responsibility, they may be acting in bad faith and you should contact an attorney to help with your appeal.
An unfair disability insurance claim denial from Guardian Life doesn’t need to be taken at face value. If you’ve been denied, you have the right to appeal.
Even loyal, long-term policyholders who have been paying regular premiums for years can fall victim to disability insurance denials.
If you’ve been unfairly denied Guardian long-term disability benefits, you should contact an LTD lawyer who may be able to help you secure the coverage you deserve.
Don’t Take No for an Answer
We’ve recovered over $123 Million for clients with denied disability claims. Let us get you the money you deserve.
Guardian Disability Denial Reasons
If Guardian is not paying your disability claim, they likely cited one or more of the following reasons (which may or may not be true):
- You failed to disclose a pre-existing health condition
- Your medical examinations were insufficient or inadequate
- There were problems with your paperwork or documentation
- Your medical condition is not a “covered” disability
- Your procedure was elective, not medically necessary
Guardian Denial Losses
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:
- Immediate loss of your regular income
- Loss or foreclosure of your home
- Loss of your savings
- Denial of your health care
How to Appeal Your Guardian Benefits Denial
Every state has laws banning bad faith insurance practices, but large insurance companies like Guardian Life have ample legal resources at their disposal to fight Guardian lawsuits and beat back complaints.
Depending on your case and insurance policy, our long-term disability denial attorneys may be able to help you:
- File an appeal of your denied Guardian long-term disability claim
- Request a second appeal if your Guardian appeal was also denied
- Submit a complaint with your state’s Insurance Department to lay the groundwork for legal action
- File a Guardian lawsuit on your behalf
- Negotiate a lawsuit settlement if possible
- Argue your case in court in some instances
Thankfully, you don’t have to face this battle alone. An experienced long-term disability attorney may be able to assist you in your fight to reclaim benefits.
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.
Contact Us to File a Guardian Lawsuit
If you are a Guardian Life policyholder who has been denied your long-term disability benefits, Sokolove Law is here to help.
With more than 40 years of experience with long-term disability claim denials, we may be able to help you with your appeal or file a Guardian lawsuit on your behalf in some circumstances.
Call Sokolove Law now at (800) 995-1212 or fill out the form on this page to find out if we can help you win back your Guardian Life disability insurance benefits.
Guardian Long-Term Disability FAQs
Why does Guardian Life deny so many claims?
Guardian Life’s business model, like that of other insurance providers, turns a much greater profit if Guardian denies claims. For this reason, even a legitimate disability claim can be denied. This is known as acting in bad faith.
If you’ve had a Guardian disability claim denied, you should speak with a long-term disability lawyer who may be able to help you appeal your denial and recover the benefits you need. Call (800) 995-1212 now to get started.
What should I do if Guardian denied my long-term disability claim?
If Guardian denied your LTD claim, you may want to work with a disability benefits lawyer who can challenge their decision and secure your benefits. With a seasoned legal team in your corner, you can focus on your health and family while your attorneys focus on your appeal.
Learn more about your legal options during a free case review.
How much does a Guardian Life disability lawyer cost?
Our Guardian Life lawyers work on a contingency basis, which means you pay no upfront or out-of-pocket fees to retain them. We only get paid if your case results in compensation.
How long does Guardian long-term disability coverage last?
The length of a Guardian Life LTD plan will vary depending on the policy. Some policies last two years, some five, some 10, and some will last until a certain age, such as 65, 67, or 70. Check your Guardian long-term disability policy to see when your benefits are scheduled to expire.