LTD Claim Denied? What to Do Next | Disability Answers
Your long-term disability claim was denied. Learn why insurers deny LTD claims, how ERISA appeals work, and how to build an appeal that wins.
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My Appeal Was Denied—Can I Sue in Federal Court?
You appealed. You sent medical records, letters from your doctors, and evidence showing why you cannot work. The insurance company denied the appeal anyway. Can you take the…
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Why ERISA Favors Insurance Companies and How to Fight Back
You had disability insurance through work for a simple reason: if you got too sick to work, you would still have income. Maybe you paid premiums for years.…
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My Insurer Says I Can Do Sedentary Work
Your long-term disability insurance company agrees you cannot go back to your old job. But it says you can do sedentary work: sit at a desk, answer phones,…
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Should I Appeal Myself or Hire a Lawyer?
Your long-term disability claim was denied. Your doctor says you cannot work, the insurance company says you can, and the letter says you have 180 days to appeal.…
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Short-Term Disability Approved—Why Was LTD Denied?
You had surgery, or a serious diagnosis, and your short-term disability claim was approved. You have been getting checks for months. Your doctor still says you cannot work,…
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Top 5 Reasons LTD Claims Are Denied
When a long-term disability claim is denied, the letter usually gives a reason in insurance language: “insufficient medical evidence,” “does not meet the definition of disability,” “capable of…
Talk to us before you file your appeal
Jonathan or Jodi will review your denial letter, your policy, and your deadline at no charge. We do not take a fee from any future monthly benefit.