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Why Was I Denied Long Term Disability?

If an insurance company denied your long term disability claim, it doesn’t mean your claim isn’t legitimate. In many cases, long term disability is denied for reasons that can be prevented. At Fields Law Firm, we want to help you take the steps necessary to get the coverage you need.

Whether you’re applying for long term disability benefits for the first time or you’ve been denied and need help with your appeal letter, you’re not alone.

At Fields Law Firm, our long term disability lawyers know what you’re going through, and we’re here to answer your questions. Contact us 24 hours a day, seven days a week – call 1-888-343-5375 or fill out a free contact request form and Get Fields! on your side.

3 Reasons Long Term Disability Claims Get Denied

Insurance companies often deny long term disability coverage due to:

  1. Insufficient medical evidence.
    Your claim may be denied if insurance company claims administrators are missing medical records that help prove the severity of your medical condition. We can help ensure the insurance company has all of the evidence they need to make the right decision about your claim.
  2. Failure to meet the policy definition of disability.
    The definition of disability can vary depending on your policy, and some policies have stricter guidelines than others. In addition, some medical conditions – like those related to substance abuse – may be excluded from qualifying you for benefits. Our long term disability lawyers can review your policy and help you understand your rights.
  3. Video surveillance and social media.
    Insurance company investigators can deny your claim if surveillance or social media posts show you engaged in activities that seem too strenuous for someone suffering from your injury or illness. Even if you feel like you’re able to perform certain tasks, it’s a good idea to stick to your doctor’s orders at all times.

These are just a few of the reasons an insurance company may deny your long term disability claim. The long term disability lawyers at Fields Law can review your policy, your rights, and help you get the benefits you need, no matter where you are in the claims process. You have questions. We have answers. We get results.

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