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Top 5 Reasons Insurers Deny Long Term Disability Claims
#1 – Insufficient Medical Documentation The Insurance company will state that the medical documents you provided do not support your claim that you are disabled from working. This is a catch-all tactic. They often do not explain why your documents are insufficient. If your doctors or treatment providers support your disability, you should generally qualify for your LTD policy. #2 – You Are Not “Totally Disabled” This is a conveniently misleading term that was crafted by insurance companies. The term “totally disabled”...
read moreDuring the pandemic I can’t get in to my doctor. Will that hurt my disability claim?
I represent people whose disability claims have been terminated or denied. A number of claims are denied on the basis that the insured has either been (a) not been receiving enough treatment or (b) not receiving the right treatment. This is typically a requirement under your insurance policy. During this period of self-isolation and social distancing due to COVID-19, and with fewer doctors scheduling appointments during this time, this requirement to get treatment becomes more difficult. I’ve been receiving a number of phone calls from...
read moreWhat if I cannot work because the pandemic is affecting my mental health?
The coronavirus (COVID-19) pandemic has created a lot of uncertainty for individuals across our country. For many, the fear of contracting and transmitting the coronavirus and the struggles with self-isolation have led to severe anxiety, depression and other forms of psychological harm. Several of our clients have reached out to us already with these growing concerns. So, don’t worry – you’re not alone! You may be asking yourself: Will I get the coronavirus? If so, how serious will it be? Will I be able to get the right...
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