How To Appeal Long Term Disability Denial

If your long term disability claim was denied by an insurance company, you may still be able to get the benefits you need. At Fields Law Firm, our Minnesota long term disability lawyers can review the details of your claim and identify the reasons it was denied. We know what it takes to build successful appeals, and we’re here to help you get the disability benefits you need.

If you have questions about appealing your long term disability claim, we have answers. Contact us 24 hours a day, seven days a week – just dial 1-888-343-5375 or fill out a free contact request form and Get Fields!

What is involved with Appealing Long Term Disability claims after being denied disability benefits?

If you have been denied long term disability benefits, you may be wondering what your rights are and what options you have. Typically, when disability insurance companies deny claims, a letter outlining their decision and reasoning is sent to you. This decision also usually outlines what rights you have and the next steps you may be able to take, such as appealing long term disability claim denials.

Insurance companies often deny benefits entirely or cease benefit payments after a period of time. If your long term disability claim is denied or if your long term disability payments are stopped, the insurance company typically allows you to appeal this decision. This is widely known and most commonly referred to as an Administrative Appeal.

Administrative Appeals are typically filed directly with the insurance company, and the insurance company reconsiders your claim. Often times, the insurance company will have your claim independently reviewed to determine whether benefits should be paid.

In determining your claim, the insurance company usually refers your claim to various medical providers, such as nurses and doctors, as well as other experts. Depending upon your policy and laws that apply, the insurance company may be required to issue a decision within a set time frame.

Should I Write My Own Long Term Disability Appeal Letter?

At Fields Law Firm, our Minnesota Long Term Disability Lawyers have the greatest chance of success if we are involved in your case early on. This allows us to gather information and support for your claim prior to filing any appeals with the insurance company. This is especially helpful in the event that a lawsuit must be filed, since there are strict limitations on whether additional information can be added later.

There are also important deadlines for filing long term disability appeals, and preparing a strong appeal takes time. If you claim is denied after an Administrative Appeal, the next step would be to file a lawsuit against the insurance company in court.

It is highly recommended that you have an attorney on your side long before you have to file a lawsuit in court. In fact, it is most helpful to contact an attorney immediately after you have been denied to not only discuss the issues with your claim, but to also help you with filing the Administrative Appeal. If you need help getting your benefits, call Fields Law today. We can help you get the disability benefits you need.

How Fields Law Firm Can Help With Appealing Long Term Disability Claims

When filing appeals, the attorneys and staff at Fields Law Firm will attempt to gather as much support and information as we can, which includes obtaining key medical evidence and information such as treatment records, narrative reports, opinions, and/or assessment forms. At times, we may also obtain information from experts to support your case.

Appealing your long term disability claim is an opportunity to correct issues that caused your initial claim to be denied. A strong and compelling appeal includes any information that may be missing from your insurance claim, including:

  • Diagnostic Tests
    Claims are often denied when the insurance company believes there’s a lack of objective medical evidence. Magnetic Resonance Imaging (MRI), blood tests, and other diagnostic tests can serve as valuable proof of your medical condition.
  • Missing or Additional Medical Evidence
    If important medical records were overlooked when you filed your initial claim, we can include them with your appeal.
  • Expert Opinions
    Your doctors know your medical history, ability to work, and treatment status better than anyone else. We will requests a written opinion from one or more of your treating physicians to help prove the severity of your disability to insurance company claims examiners.

Once all the supportive information for your case has been received, we submit a formal appeal to the insurance company outlining the facts in your case, your disability, why you should be entitled to disability benefits, and any other legal matters at issue.

We work quickly to get you the results you need and the benefits you deserve. Contact a Long Term Disability attorney at Fields Law Firm for a free consultation to discuss your case today.



John Kelley
John Kelley
21:38 16 Oct 18
I was having issues with an insurance company and I hired fields law firm. The people there are amazing and always quick to answer questions even a couple times on the weekend. I worked with Blake amazing person and very informative on my case. I would highly recommend this firm to any of my friends.read more
Michael Frazier
Michael Frazier
23:58 10 Oct 18
I had the pleasure to work with Michael and Annie on my LTD case. When my claim was denied by the insurance carrier, Michael didn't hesitate to take them on with an appeal. He worked diligently on the appeal and ultimately won this for me. Mind you, this wasn't a huge case but he treated me like it was and as if I was the only case he was representing. He kept me abreast of vital information, it was clear that he knew his stuff and wasn't afraid to take on the big insurance company. Michael was much more than I ever expected given that our relationship was entirely remote, handled by telephone and email only. Not only is he a strong lawyer, he treated me with compassion and respect. I am beyond pleased with him and the Fields Law team. Michael cares about his clients and he gets the job done for them because he knows how impactful an injury can be to both a person's well-being and their financial security. I highly recommend Michael and Fields Law whether you are local to their Minnesota offices or out of state like myself.read more
Melanie Eason
Melanie Eason
20:12 29 Aug 18
Fields Law Firm is great. Patrick Kramer, my lawyer, is fantastic. He and his legal assistant Samantha K. have handled my case for several years. They have kept me informed every step of the way. They are both easy to contact. I have both of their phone numbers and email addresses and they respond promptly to any messages I leave. Without their help I would not have been able to get the disability company to fulfill their promises. It is a relief to leave all the dealings with the disability insurance company in their hands.read more
Jeannie Kerr
Jeannie Kerr
23:37 15 Sep 18
My experience with Merrick Williams of Fields Law Firm has been truly above and beyond satisfactory. His knowledge and professionalism have guided me through a very difficult time. He and his assistant Angela were readily available to answer any questions and address my concerns. I highly recommend him as an attorney and will use his services again if necessary in the future.read more
ebon jordan
ebon jordan
19:51 27 Sep 18
Field Law Firm was great my lawyer Zach Schmoll was more than I could ask for. He always kept me in the loop and explain everything perfectly, got back to me whenever I called less than 24 hrs and was a extremely nice guy. This guy is young and knows what he is doing so please don’t let the age fool you. I had a wonderful experience with Field Law and will refer anyone with legal matters to them.read more
Edward Johnson
Edward Johnson
23:11 31 Oct 18
I highly recommend Fields law Firm if you need some no nonsense attorneys to represent you. I was treated courteously and efficiently each and every time by Mike and his associates. They settled my Long Term Disability case in a timely fashion. and was pleased with the results. Thanks again Mike and Fields Law Firm. You are the best!read more
19:19 09 Nov 18
Fields Law Firm is simply the very best when it comes to representing you & fighting for your rights! They are a "10 Star" Law Firm hands down! Michael Kemmmitt & Sarah Christensen were simply outstanding to work with. They took over my long term disability case after I was being denied my benefits & gave me the moral support & law experience that I needed to win my case. They were supportive throughout my case & they will fight tooth & nail to assure your rights are not being denied. It is so rare to find a law firm that treats you like YOU are the most important person to them. I HIGHLY recommend Fields Law Firm. They are truly advocates for justice.read more
Ben Chadwick
Ben Chadwick
23:20 12 Nov 18
Michael and Samantha were always giving me updates in a very timely manner. They were very good at getting back with me if I had questions, and they didn't have the answer at the time of our discussion. They were very thorough in their handling of my case, and we received a positvie ruling due to their efficiency and expertise. Thank you very much Michael and Samantha, I appreciate all that you did to help me with my case. I would definitely refer people to you, as well as use you in the future. Benjamin Chadwick.read more
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