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Long Term Disability Insurance Denial of Coverage

The purpose of long-term disability (LTD) insurance is to provide you with financial assistance when you are unable to work due to injury or illness. Unfortunately, because insurance companies are for-profit corporations, they will go to great lengths to protect their bottom line. This often means reducing payments, or denying claims altogether. At Altman & Altman, we have extensive experience with large national insurance companies, and we know how they work. We will fight tirelessly to get you the benefits you deserve so that you can get on with your life.

Some employers offer LTD coverage as a benefit of employment. In other cases, individuals purchase this type of coverage on their own. In either situation, when you’re in need of benefits, it’s important to have an attorney experienced in disability insurance cases by your side. In addition to making sure you get the benefits you deserve in a timely manner, a skilled attorney can help you review your policy, file a claim with the insurance company, collect additional information such as medical evidence, and appeal if your claim is denied. Contact a Boston LTD lawyer today.

What Conditions are Covered by Long-Term Disability Insurance?

A variety of conditions are eligible for coverage under this type of insurance, but the most common include:

  • Cancer
  • Arthritis
  • Heart problems
  • Chronic fatigue
  • Hip or knee replacement
  • Back problems
  • Carpal tunnel syndrome
  • Cognitive and emotional disorders
  • Lyme disease
  • Diseases of the liver
  • Lupus
  • Parkinson’s disease
  • Multiple Sclerosis
Common Reasons for Denial of LTD Claims

Individuals with the above conditions are generally eligible for long-term disability coverage, however, numerous factors can negatively impact the claim. Mistakes on the application, for example, can result in reduced or delayed benefits, or no benefits at all. If your claim is denied, it could be for a variety of reasons. Many of these reasons are easily resolved with added research and skilled legal counsel. Common reasons for denial of long-term disability insurance claims include:

  • Insufficient medical evidence: Failure to submit documentation showing the severity of your condition can lead to a denial. Fortunately, this is easily resolved with a little research.

  • Failure to meet standards set by insurance carrier: Every carrier is different, but all have restrictions on certain types of conditions, or those caused by certain behaviors (such as heavy alcohol consumption or drug use).

  • Evidence obtained by video or through social media channels: Unfortunately, it’s not uncommon for people to lie to collect insurance benefits. For this reason, insurers often conduct investigations to determine the severity of an insured’s injuries. If a man is collecting insurance payments due to a broken back, for example, and someone posts a picture of him water skiing, he’s going to have some explaining to do.

Even when social media or video surveillance evidence are the reason for your denial, the attorneys at Altman & Altman, LLP can help. We understand that the world does not exist in black and white. Pictures can speak 1,000 words, but those words can be misleading. Our attorneys have extensive experience with these types of cases, and we can help you get the benefits you deserve.

Altman & Altman, LLP - Long-Term Disability Insurance Lawyers Serving All of Massachusetts

If you have been denied LTD coverage after an illness or injury, we can help. Our legal team is as knowledgeable as we are compassionate. We have an impressive track record of obtaining compensation for our clients. At Altman & Altman, LLP, we will make sure you understand your rights and options before moving forward with a legal strategy. Insurance companies will do everything in their power to pay you as little as possible. That’s why it is crucial to have representation when filing any type of insurance claim. Insurance companies do this every day, but so do we. Contact Altman & Altman, LLP for a free and confidential consultation about your case.

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