When Your Insurance Company Says No
LTD insurance is supposed to protect your income when you cannot work. But insurers deny legitimate claims every day.
Common Reasons for LTD Denial
- Insufficient medical documentation
- Pre-existing condition exclusions
- Definition of "disability" changes after 2 years
- IME disputes
- Failure to meet policy deadlines
Internal Appeals vs Lawsuits
Most policies require internal appeals before suing. We handle both. Filing a lawsuit often pressures fair settlement.
The 2-Year Limitation Period
Two years from the date of denial. Do not rely on appeal deadlines.