Did you receive a denial letter from CNA Financial? This can be overwhelming, especially if you were hoping those long-term disability benefits would provide financial stability since you aren’t able to work at the moment. At BenGlassLaw, we understand your frustration.
However, there’s still hope, and a denied long-term disability lawyer is the one to call if you’re looking for legal insight into your situation. As your CNA Financial denied long-term disability claims lawyer, we can determine if the insurance company made the right decision.
We were founded in 1995, and our attorneys have over 100 years of combined experience recovering more than $100 million in claims and benefits for our clients. We have what it takes to evaluate your claim, explain your legal options, and build a strong appeal on your behalf.
Why Does CNA Financial Deny Long-Term Disability Claims?
Every claim is different, but disability insurance companies often rely on similar reasons when denying benefits.
Let’s take a closer look at common reasons for long-term disability claim denials:
- Insufficient medical evidence
- Lack of objective testing
- Surveillance suggesting greater activity than reported
- Failure to meet the policy’s definition of disability
- Missed deadlines
- Incomplete physician statements
- Independent medical examinations that favor the insurer
- Vocational opinions claiming you can still work
- Allegations that treatment has been inconsistent
Receiving one of these explanations doesn’t necessarily mean the denial was justified. In many situations, the insurance company may have overlooked important evidence or interpreted the available records in a way that favors denying benefits.
A CNA Financial denied long-term disability claims attorney’s job is to identify those weaknesses and respond with evidence that tells the complete story.
For a free legal consultation call (703) 591-9829
Understanding Whether ERISA Applies to Your Claim
Many long-term disability policies are provided through an employer. If that’s the case, your claim is often governed by the Employee Retirement Income Security Act (ERISA), which creates rules for disability claims that are very different from ordinary insurance disputes.
The administrative appeal is sometimes the only opportunity to introduce additional evidence into the record.
You might not get another opportunity to submit the following information if it’s not included before your case proceeds to federal court:
- Medical documentation
- Vocational evidence
- Supporting opinions
Because of these procedural rules, many people choose to work with attorneys who regularly handle ERISA disability appeals rather than lawyers who only occasionally accept these cases.
What if You Purchased Your Own Disability Insurance Policy?
Not every disability policy comes through an employer. Many physicians, dentists, business owners, executives, and other professionals purchase individual disability insurance policies to protect their income.
These privately purchased policies often follow different legal rules than ERISA claims. Although the procedures may differ, insurance companies frequently rely on similar arguments when denying benefits.
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How to Build a Strong Disability Appeal
A successful appeal is much more than sending additional medical records to the insurance company. It requires a carefully prepared presentation that directly addresses every issue raised in the denial letter.
Here’s what this often includes:
- Updated medical records
- Detailed physician opinions
- Functional capacity evaluations
- Neuropsychological testing
- Vocational evidence
- Medical literature
- Statements from family members
- Employment information
- Symptom documentation
Each piece of evidence should work together to explain why the insurance company’s decision was medically, factually, and legally incorrect. Well-prepared appeals often tell a complete story rather than simply submitting stacks of medical records without context.
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The Importance of Telling the Complete Story
Medical records rarely capture everything you’ve experienced. Office visits are often brief, and physicians naturally focus on diagnosis and treatment rather than documenting every way your condition affects your life.
That’s why creating a comprehensive narrative can be one of the most valuable parts of a disability appeal.
Rather than simply presenting isolated medical records, an effective appeal explains:
- How your symptoms have progressed
- Why treatment hasn’t restored your ability to work
- What happens during a typical day
- Why you cannot reliably perform your occupation
- How your limitations affect your productivity
- Why returning to work isn’t realistic
Creating that narrative requires time, attention to detail, and a thorough understanding of disability law.
Call BenGlassLaw ASAP for Advice From a CNA Financial Denied Long-Term Disability Claims Attorney
If your disability claim was denied by CNA Financial, you might have no idea how you’ll continue paying your bills without the financial assistance you were counting on, but BenGlassLaw can help. A denial letter doesn’t necessarily mean your claim is over.
Our clients benefit from a team that has made disability law one of its core areas of practice for decades. We’re known for filing more long-term disability appeals and lawsuits than any other firm in the Mid-Atlantic. Plus, we’re recognized nationally for our leadership in ERISA law.
Our CNA Financial denied long-term disability claims law firm can review your policy, identify weaknesses in the insurance company’s decision, and build a comprehensive appeal designed to maximize your chances of success. Contact us today for more information.
Call (703) 591-9829 or complete a Free Case Evaluation form