Has Your Guardian Life Disability Claim Been Denied?

As one of the largest insurers in the nation, Guardian Life receives thousands of disability claims each year.

But the reality is, Guardian Life is focused on limiting payouts to preserve their bottom line. Their claims specialists will look for almost any reason to limit, delay, or outright deny claims, even when clients like you are legitimately unable to work due to disabilities and health issues.

How do they get away with this? They rely on a combination of complex policy language, strict deadlines, and the hope that you make a technical error on your claim. All of these factors make it unlikely to have a disability claim approved the first time around.

They’re banking on the fact that a Guardian Life disability denial will leave you so distraught that you disappear quietly into the night.

That is not how it should be. Fields Law can help you start the process of appealing a Guardian Life disability claim, so you can get the benefits you deserve.

But in order to mount a successful Guardian disability benefits appeal, you have to understand why your disability claim was denied in the first place. That’s where Fields Law can help.

The most common reasons for a Guardian Life disability denial include:

• Insufficient medical evidence: Guardian Life requires extensive medical evidence of how your disability keeps you from working. Without sufficient evidence, a denial is certain
• Missed deadlines: Insurers like Guardian Life have strict deadlines for filing claims and submitting evidence. Miss a deadline, and you can expect a denial.
• Clerical errors: Missing information or errors on your claim application will result in it being thrown out.
• Restrictive definitions: The language in your policy uses very strict definitions of “disability”. If your issue doesn’t cleanly fit their definition, you will likely be denied.
• Social media activity: Guardian Life and other insurers have been known to scour their clients’ social media accounts to find evidence that contradicts your disability claim.
• Outdated job descriptions: Insurers often argue that your disability doesn’t prevent you from working, or that you could hold “any occupation”, even if it’s not related to your primary career path.
• Contradictory medical reviews: Guardian may use their own in-house physicians to challenge or override the diagnosis of your treating physician, leading to a denial.

Many of these reasons may seem trivial or insignificant when considering your disability status. However, Guardian Life disability denials often rely on seemingly innocuous clerical errors or other technicalities to limit their payouts.

They want you feeling so distraught after a denial that you give up hope, but successfully appealing a Guardian Life disability claim is 100% possible.

Guardian disability insurance denial help is just a phone call away. Let Fields Law even the odds with a powerful appeal, backed by strong medical and vocational evidence, that can get you the benefits you deserve.