What to Do if Your Long-Term Disability Claim is Denied

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What to Do if Your Long-Term Disability Claim is Denied

If you are filing for long-term disability, it is likely because of a damaging event that is now inhibiting your ability to provide for yourself and your loved one. Many people have comprehensive insurance policies for that exact reason– to ensure that you are covered and protected no matter what happens to you. But what happens when that claim is suddenly denied?

If your long-term disability claim is rejected, the best thing you can to protect yourself is to consult a proven Philadelphia Insurance Lawyer who will fight for you. At Edelstein Martin & Nelson, LLP, will work to ensure that this denial is reversed and you receive the compensation that you’re entitled to.

Why Was Your Disability Claim Denied?

When a long-term disability claim has been denied in Philadelphia, often times this is because of an inaccurate determination of the claim. These missteps may include:

  • Mischaracterization of illness or injury in which insurance carriers were not given accurate information from your providers
  • An insurance-hired doctor reviewed your file and determined that you are not disabled
  • An insurance company private investigator suggested that your activities are inconsistent with a disability

For whatever reason the long-term disability claim has been denied, you have the right to fight this denial in order to receive what you are owed.

Appealing a Long-Term Disability Claim

If your claim is denied and you wish to appeal the decision to deny your disability claim, it must be done in a timely manner. While the actual time frame depends on the individual policy, most policies What to Do if Your Long-Term Disability Claim is Deniedgenerally allow for a 180-day appeal period, which may be extended if further information is required. If you cannot appeal in this time period, there is a slim chance of your case going forward.

Before completing an appeal, it is vital that you obtain the full administrative claims file. It is required by law that your carrier provides either you or your counsel this file as well as a complete internal file. This is usually the determining factor that will reveal how accurately your case was handled.

After reviewing these files along with your denial letter and your doctor’s medical evidence, you and your counsel can develop a comprehensive strategy to fight the rejection.

Long-Term Disability Insurance Attorney in Pennsylvania

If your long-term disability insurance claim has been denied and you need help with the appeals process, contact our disability insurance lawyers who can help you today. Here at Edelstein Martin & Nelson, LLP, we assist individuals throughout the greater Philadelphia area and Delaware. We will help and counsel you on what steps to take next so that you are granted the benefits and compensation you deserve should something occur that inhibits you from taking care of your self and your family.  

Call (215) 858-8440 or contact us online to speak with one our lawyers through a free consultation.