How do I appeal a long-term disability denial?
To begin the appeal process, the individual should carefully review the denial letter and understand the reasons for the denial.
- Requesting the entire claim file and assessing the evidence supporting the disability claim is the next step.
- Proceeding with an appeal without an experienced attorney is cautioned against, as long-term disability policies are often governed by ERISA, which is biased in favor of insurance companies.
- Following the outlined steps in the book Danger Proceed at Your Own Risk may help file a successful appeal or consider consulting our LTD benefits firm for assistance.
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