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.
Kevin J. McManus
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Kevin McManus is an accident injury and disability lawyer in Kansas City, MO, and Overland Park, KS