If your Long-Term Disability claim has been delayed or denied by the insurance company, it is important to have a lawyer review your Long-Term Disability insurance policy and explain your legal options.
Receiving Long Term Disability (LTD) Benefits
In order to qualify for LTD benefits, you must demonstrate to the LTD provider that you satisfy a ‘test’ that your injuries or disability prevent you from meeting the requirements of your own occupation. It is important to note that in many LTD policies, the test changes after the first 2 years or 104 weeks of receiving LTD benefits. Often, the LTD provider will require you to provide additional medical documentation to support the position that your ongoing injury/disability prevents you from meeting the requirements of any occupation, for which you are reasonably qualified by education, training or experience or some other similar test. So long as you continue to meet the test, your LTD benefits should pay a replacement income to the age of retirement. It is important to note that the wording of these tests are not standardized and, therefore, may vary from insurer to insurer.
Denial of your Long Term Disability (LTD) Benefits
There are a number of reasons why your LTD provider may have denied your benefits. Given that LTD policies are administered by privately owned insurance companies, who are profit-driven, there are times when disputes arise over your eligibility to receive LTD benefits. This can occur even on valid claims, which are frequently denied or delayed.
If your application has been denied, the reason for denial could be for any number of reasons, including an incomplete application or insufficient medical evidence to support your claim.
If your LTD benefits provider has been denying or delaying paying your payments, it is important that you speak to a disability insurance lawyer as to your rights and obligations.
If you believe that your Long Term Disability insurance provider has wrongly terminated or denied benefits, you have a limited time to take action. Many LTD policies have time limits for bringing a lawsuit against the insurance company, and there are also statute of limitations for commencing a lawsuit.
For a free consultation with a lawyer, contact Iacobelli Law Firm.
In recognition that serious injuries commonly result in serious financial hardship, we offer contingency fee retainers, so that you pay no fee unless you win.
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