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Common reasons for long-term disability claim denials

Undoubtedly, having long-term disability insurance of any kind gives Ohio residents peace of mind. These forms of insurance act like a comfortable safety net in case the worst ever happens and you can no longer work to support your family. The last thing you expect in these cases is to receive a denial notice that may lead to long-term disability disputes.

When you feel that you have done nothing wrong yet cannot collect the disability benefits you deserve, one of your first questions may be why you received a denial. There are many reasons why insurers deny long-term disability claims. Below you will find a few of the most common reasons.

  • If your disability will last for less than one year, you may receive a claim denial for long-term benefits
  • You may fail to meet a technical requirement of the policy (length of time off work, degree of disability or nature of disability)
  • If drug or alcohol abuse led to or contributed to your disability, you can probably expect a claim denial
  • If you do not have an accurate and in-depth treatment record for your disability, the insurer may reject your claim
  • Errors such as lack of documentation or failure to attend hearings can also result in claim denial

What many people fail to understand is that you have the right to appeal denied claims. While most disabled residents want to avoid long-term disability disputes, fighting back might be the best way to acquire the benefits you need.

To those who want to appeal denied claims, seeking help from an attorney can take much of the anxiety out of filing an appeal. Our office can help with the hard work involved in long-term disability disputes, leaving you free to continue on the road to recovery.

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Law Offices of Tony C. Merry, LLC
7100 North High Street
Suite 302
Worthington, Ohio 43085-2567

Phone: 614-372-7114
Fax: 614-505-6109
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