Imagine this, you make a claim for disability benefits from a major disability insurance company. The claim is denied. You are allowed an appeal of that claim, but your appeal goes back to the same insurance company that just denied your claim.
Under federal law you are allowed to file a law suit against the disability insurance plan, but under those same laws that give you permission to file a lawsuit, you learn that the decision of the insurance company is presumed to be correct – you must prove that the insurance company was not just wrong, but completely wrong and unreasonable. Read more about disability insurance company discretionary provisions.