How do I appeal a long-term disability denial?

Video Summary

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.

Contact Our Long-Term Disability Attorneys Today

Long-term disability policies and the law of ERISA strongly favor insurance companies. These laws were not written for consumers, and it is easy to make a mistake in appealing a long-term disability denial. You get only one try at an appeal. For this reason, we strongly recommend you consult with our ERISA-trained long-term disability attorney early in the process.

If you have already appealed a denial and it was still rejected, we can review your appeal to see if we can be of assistance. However, we do not recommend you wait to contact us or that you attempt to appeal your denial without our ERISA-trained attorney. If your appeal was insufficient, contact us immediately because ERISA laws generally prohibit submitting additional evidence later on. For further information, give us a a call at (816) 203-0143 and download our free book on LTD insurance.