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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 for your free case review today.

3 Reasons Long Term Disability Claims Get Denied

Insurance companies often deny long term disability coverage due to:

  1. 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.
  2. 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.
  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.

Long Term Disability Denial Overturned

A security guard from Minnesota began experiencing panic attacks and anxiety. Her symptoms worsened and eventually she was unable to sleep for more than an hour at a time. She was forced to stop working. She applied for long term disability benefits from the disability insurance company, but was informed that she did not meet their definition of “disabled.”

Upset and worried about her lost income, she contacted the Long Term Disability attorneys at Fields Law for help mounting an appeal against the insurer. Our attorneys reviewed the medical record and contacted our client’s doctors to obtain reports detailing symptoms and treatments.

The medical records from the initial decision were reinforced with the new reports and ultimately the long term disability insurance company overturned their decision. Our client was awarded backpay and ongoing benefits. She was happy to have her benefits paid and to continue her treatment without the fight against her insurance company.

What Is The Most Common Reason Why Long Term Disability Benefits Are Denied?

There are a number of reasons that someone may have their long term disability benefits denied. However, the most common reason that our Long Term Disability attorneys see insurance companies use is that the claimant fails to meet the “definition of disability“, according to how that term is defined in their policy.

This is frustrating to many people applying for long term disability benefits because a person can feel “disabled” in his or her own mind and then be unable to understand why the insurer saying that the person is not disabled.

Some people wonder, “How can the insurance company say I don’t meet the definition of disability if my doctor says that I am disabled?”

Our long term disability attorneys understand that “disabled” means something different to everyone. To prove that you are disabled according to your long term disability policy, you must look for the definition of disability in your policy. Nearly all long term disability policies will contain a definition section. A long term disability attorney at Fields Law can help you find this section and then help you to identify information to support that you are in fact disabled as defined by your long term disability policy.

For instance, some definitions of disability may state something like this:

Disability means that as a result of Injury or Sickness, you are unable to perform the Material and Substantial Duties of your Own Occupation.

Under this definition of disability, if someone fails to tell the insurance company which material job duties that he/she was unable to perform, that person might be denied long term disability benefits. It may sound like there are just too many technicalities in a long term disability policy. In some ways, this is true. But that is exactly why it is helpful to have a long term disability attorney help when a disability insurance company denies your benefits.

How Can A Long Term Disability Attorney Help If I Receive A Denial Letter?

Receiving a denial letter from the long term disability insurance company does not mean you are no longer eligible to receive long term disability benefits. The denial letter should include information about how to appeal the insurance company’s decision.

This is your opportunity to convince the insurance company to change their mind about paying long term disability benefits. Having a long term disability attorney on your side to help guide you along the appeal process will ease some of the stress, so that you can focus on taking care of yourself.

A long term disability attorney can also help you to identify information that supports your disability. Not only can an attorney identify the helpful information (such as medical records, doctor’s reports, job analysis surveys and expert opinions), but an attorney can also help to gather and submit the information to the insurance company.

A long term disability attorney can also write legal and factual arguments to submit with the other information they have gathered. The goal is to get the insurance company to realize that it made a mistake in denying benefits in a compelling way that presents undeniable facts.

If the attorney is successful in doing that, then the insurance company will overturn its original decision and begin paying benefits, including any backpay for benefits you should have already received. If not, these documents may be the only records considered by the judge in a long term disability lawsuit.

If an insurance company denies your long term disability benefits, let us help you fight back. Our long term disability attorneys are here to answer your questions and help you get the benefits you need and deserve. Call us today at 1-888-343-5375 or fill out a free contact request form and Get Fields! on your side.

SETTLEMENTS AND RECOVERIES IN ALL CASES DEPEND ON SPECIFIC FACTUAL AND LEGAL CIRCUMSTANCES WHICH ARE UNIQUE TO EACH CLIENT’S CASE. PAST CASE RESULTS ARE NOT A GUARANTEE OR PREDICTION OF SIMILAR RESULTS IN FUTURE CASES WHICH THE FIELDS LAW FIRM AND ITS LAWYERS MAY UNDERTAKE.

READ OUR CLIENT REVIEWS

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
Jeffrey
Jeffrey
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
Michael Rosa
Michael Rosa
00:01 01 Dec 18
Evan was absolutely fantastic. He was knowledgable, informative and patient. Evan Sanford and Fields law took my case when other lawyers pretty much told me to pound sand. The outcome was a substantial amount of money that will take the pressure off of me for years to come. I would absolutely recommend Fields law.read more
BOBBY jr
BOBBY jr
17:49 02 Dec 18
It is very difficult for the average disabled person to battle the disability insurance and Social Security disability industries. I was very sick, exhausted, and stressed out about being denied and told that I can work by someone who doesn't even know me! The paperwork was daunting and had to be filled out multiple times. I chose Field's Law Firm after finding them online. They took over my claims and handled all of the paperwork and appeals that were necessary. They even went to a hearing with me to the Social Security Judge. Field's also kept me in the loop every step of the way. This allowed me to focus more on myself and greatly reduced my financial anxiety. They don't get paid unless you get paid. You truly have nothing to lose and everything to gain! I am truly appreciative of Field's Law Firm!read more
Raphael Roe
Raphael Roe
00:35 04 Dec 18
I had the pleasure of working with Patrick Kramer for my LTD appeal. He walked me through the entire process and answered all my questions. Patrick called me anytime there was new information and went above and beyond what I expected. It was one of the most stress free processes I’ve had to deal with thanks to the team at Field’s! Thank you for all your hard work! -Michael Roe, Monroe, MIread more
Donna Williams
Donna Williams
19:07 06 Dec 18
My attorney, Blake Bauer and paralegal, Samantha Kurschner are wonderful. Whenever I need to speak with one of them, they are always available. If I have to leave a message, my call is promptly returned. They worked diligently on my case and won my LTD claim. I highly recommend Fields Law Firm.read more
Lori Anderson
Lori Anderson
20:33 04 Dec 18
Jodie has been a wonderful person and on top of my social security disability claim. The attorneys are great and very thorough with what they do. Would recommend Fielsd Law Firm to everyone. Thank you for everything you have done for me.
Todd Burge
Todd Burge
15:40 11 Dec 18
I worked with Attorney Hans Lodge on a large debt collection from a creditor. He was able to determine that there was a violation of the Fair Debt Collection Practices Act, and swiftly moved into legal action. This whole matter was completely and quickly resolved within a couple of months. This whole situation could not have turned out any better on my end. I highly recommend working with Hans or any of the attorneys at Fields Law Firm!read more
John Notaro
John Notaro
05:09 09 Jan 19
Fields law represented me with class and always had the answers I needed to know every step of the way. Patrick and Jodie always kept me informed when there were updates to my case with a phone call. I can't recommend Fields law enough. I know I couldn't have won my case without the hard work of their entire team. Thank you all and most importantly how you changed my life for the better.read more
Jeff Howe
Jeff Howe
07:06 20 Jan 19
I have used this law firm twice. Zach had my case and he truly cares about you as a person. Thanks fields for getting the best
Stacy Tietjen
Stacy Tietjen
19:39 22 Jan 19
My experience with Fields Law Firm has been amazing. The dedicated service and professionalism they have shown me is above and beyond. Especially Blake Bauer, he has kept me updated every step of the way. If it wasn't for him and his team, I would not have won my case. I will continue to use Fields Law firm for all my legal needs.read more
Max Power
Max Power
00:31 26 Jan 19
Fields Law Firm represented me in my long term disability and social security disability cases. My attorney was Michael Kemmit and I can't say enough good things about Michael.Michael did an outstanding job taking the time to really understand my disabilities and how they impacted my ability to work. He skillfully and successfully communicated this to my insurance company & social security while referencing supporting evidence in my medical records. Michael is very comforting, compassionate and easy to talk to. Michael and the staff at Fields Law were professional, courteous and responsive to all my questions throughout the entire process.I 100% wholeheartedly recommend Fields Law. I doubt you could find a better law firm to represent you.read more
Tanya Nash
Tanya Nash
00:32 31 Jan 19
Blake kept me informed every step of the way with my work comp case! He made sure I understood all of the information and always made me feel comfortable with what was happening! He helped me get a good settlement!
Jazzy J
Jazzy J
18:05 08 Feb 19
I have had the opportunity to be represented by Fields Law Firm. They provided me with excellent service. They responded promptly to all of my phone calls. My case was handled by Mark (attorney) and Angela (paralegal). I will definitely hire them again in the future if needed. Thanks again for your assistance and dedication. J. Johnsonread more
Brynda Bradford
Brynda Bradford
22:46 12 Feb 19
Working with Blake Bauer and Angela was a very positive experience they were very knowledgeable and exceeded my expectations. If you are looking for a law firm to help assist you with Long Term Disability or worker's compensation I recommend Fields Law Firm.read more
Michelle Trebtoske
Michelle Trebtoske
17:06 04 Mar 19
My lawyer, Blake Bauer, represented me very well in my long term disability law suit. He got me a settlement I was pleased with. He was respectful, courteous, understanding, very knowledgeable and professional. He was a great communicator.read more
kenya Howze
kenya Howze
23:20 04 Mar 19
I recently had a stroke and had to leave my job and had to go on short term Disability which turned into Long term disability and this was a challenge. It was so challenging dealing with Doctors then with LTD it seemed that they were always trying to find ways to stop my disability. So I went online and researched Attorneys for LTD cases and Fields had great reviews and I want to say this was the best decision ever Blake and Annie have been my dream team and I have not been the best client as far as being compliant I have had so many issues in the last mot from health to Money issues and they stayed on me never waivered. They were so patient and compassionate Annie's voice at times soothed me because I was so ready to give up its very stressful but they made me feel lighter like I wasn't alone and they made it happen they won my case. I am so fortunate to have found this law firm and have the super team of Blake and Annie you guys are my heroes you have saved the day in my case the year . Thank you so much for your patience and your guidance and I recommend this law firm to anyone having issues with there disability case, if I could go higher than 5 stars they definitely would get 10!!! THANK YOU SO MUCH!!!!read more
Dan Cartier
Dan Cartier
14:15 07 Mar 19
Let's be honest, nobody wants to need a lawyer or be put in the place where you have to search for one. And if that time comes, I hope you look to Fields Law for that! I was put in a bad spot with loosing my credit due to a companies mishandlement of my financial information. Not good, and this was a very big company. So my worries were who would be willing and capable to take on such a job. I searched and called and spent many hours trying to find that company. But when I was referred to Fields, my worries were gone! I was instantly connected with Blake my attorney, who assured me I was in the right place with the right people! The positive attitude from absolutely every person I worked with and the knowledge they possessed was awesome. They helped me understand everything in a way that I could get; since some of the terminology and process wasn't my strong point! My case was going to be a long one; and knowing this there was not a single point that I felt I wasn't in the loop. They were honest and fair to both sides and I would highly recommend them to anyone needing help! Thanks again Fields Law!read more
Boris Fortner
Boris Fortner
18:15 07 Mar 19
My experience with Fields Law Firm could not have been any better. They have kept me informed every step of the way. They fought to get me a win which is more than I was hoping for. I would recommend them to anyone who truly wants to win. I thank God for them. They have been a blessing to me and my family.read more
Jonathan Mannuzza
Jonathan Mannuzza
15:29 12 Mar 19
The reason I chose Fields Law Firm was twofold, I got to speak directly with an attorney that would be handling my case and their structure was fair and equitable. Throughout the whole ordeal, Zach and Angela both exhibited professionalism, honesty, integrity, were timely with follow up, and above all treated me like a human being that they cared about rather than just another case. Zach definitely worked hard on my behalf and I can’t thank him enough for getting an acceptable resolution so that I can move forward with my life.read more
Mona Selim
Mona Selim
16:42 22 Mar 19
Blake Bauer At the Fields Law Firm is an excellent attorney who has high integrity and excellent work ethics.Blake walked me through the process of my claim and gave me realistic timeline and potential outcomes. He advised me on how to proceed with my best interest in mind. He was happy returning my phone calls and never got tired of my questions and concerns. He was very supportive when I was down and understood my struggle and helped me to the best of his abilities as the law permits. He is very thoughtful, he would ask me how I am doing; he even called me to wish me a happy birthday🙏The entire staff at Fields Law Firm is very friendly and on top of things. They didn’t let anything go unaddressed. They helped me understand the paperwork process. They are very punctual and returned my calls very quickly with all the answers they could provide me.This was my first time working with any law firm and my experience with Field’s Law Firm, Blake Bauer, Samantha Kurschner and the staff was extremely pleasant during a tough time in my life. Thanks everyone, job well done.Mona S.read more
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