When your long-term disability claim is denied, it can feel like your financial stability and future are suddenly at risk. Insurance companies often deny legitimate claims by using vague policy language, missing paperwork, or so-called “insufficient evidence” as an excuse.
You don’t have to face this uphill battle alone. An experienced denied long-term disability lawyer can help protect your rights and appeal your denial effectively. At BenGlassLaw, we’ve recovered over $100 million in claims and benefits for our past clients.
Our highly-trained and laser-focused team understands disability insurance claims and the tactics insurers use to avoid paying benefits. We’re here to fight back on your behalf and help you get the financial support you deserve.
About Our Denied Long-Term Disability Lawyers
Our experienced long-term disability lawyers are committed to standing up for individuals whose legitimate claims have been wrongfully denied. With decades of practice handling major insurance companies, we understand their appeal procedures and know how to challenge their denials effectively.
- Serving you since 1995: For decades, BenGlassLaw has represented individuals throughout Virginia and beyond in denied disability claims.
- Exceptional customer service: We pride ourselves on clear communication, honest advice, and compassionate guidance throughout your case.
- Exceptional track record: With over $100 million recovered in claims and benefits for our clients, we know what it takes to win against powerful insurance companies.
- We will take your case to court anywhere: Our team isn’t afraid to go to trial when necessary to protect your rights.
- Available 24/7: Because we know disability problems don’t stick to business hours, you can reach our firm at any time.
- Free consultation: Learn about your options at no cost and with no obligation to move forward.
For a free legal consultation call (703) 591-9829
Our Team of Denied Long-Term Disability Attorneys
The attorneys at BenGlassLaw have handled countless denied LTD claims across a wide range of insurance providers. We know how to interpret policies, gather strong medical and vocational evidence, and file persuasive appeals on your behalf.
You can get help with our:
- MassMutual denied long–term disability claims lawyer: Our team understands MassMutual’s claim review process and can identify procedural or evidentiary errors to strengthen your appeal.
- Aetna Insurance denied long–term disability claims lawyer: Our team understands Aetna’s policy language and can uncover inconsistencies in their denial reasoning to fight for your benefits.
- Cigna Insurance denied long–term disability claims lawyer: We have successfully handled Cigna disability denials and can appeal or litigate your case to secure the coverage you deserve.
- Liberty Mutual denied long–term disability claims lawyer: We have experience handling Liberty Mutual denials and can challenge their medical reviews or policy interpretations effectively.
- Mutual of Omaha denied long–term disability claims lawyer: Our attorneys are skilled in appealing Mutual of Omaha’s LTD denials and presenting clear evidence that meets their policy standards.
- Prudential denied long–term disability claims lawyer: We can help you counter Prudential’s denial tactics by providing detailed medical documentation and expert opinions.
- Lincoln Financial denied long–term disability claims lawyer: Our firm knows how to address Lincoln Financial’s reasoning for claim denials and build a compelling case for reinstating your benefits.
- Unum denied long–term disability claims lawyer: We are familiar with Unum’s claims process and can effectively challenge wrongful denials through evidence-based appeals or litigation.
No matter which insurance company denies your benefits, our team can help review your policy, identify the insurer’s errors, and take swift action to appeal or litigate your claim.
What to Do if Your Long-Term Disability Claim Has Been Denied
When you receive a denial letter from your disability insurance company, it’s critical to act quickly and strategically. The following steps can make all the difference in the success of your appeal.
Review Your Denial Letter Carefully
Read the insurer’s explanation closely to identify why your claim was denied. Common reasons include missing documentation, conflicting medical evidence, or alleged failure to meet the policy’s definition of disability.
Gather and Organize Evidence
Collect all medical records, physician statements, and employment documentation that support your disability. If necessary, obtain additional testing or evaluations to strengthen your case.
File a Strong Administrative Appeal
Most LTD policies governed by ERISA require you to appeal directly to the insurance company before filing a lawsuit. This appeal is your last chance to submit new evidence, so make sure it’s complete and well-documented.
Avoid Common Mistakes
Do not miss appeal deadlines, and never assume the insurer’s denial is final. Failing to respond correctly can permanently limit your right to future legal action.
Call BenGlassLaw for Help
Our denied long-term disability lawyers can handle the entire appeal process for you, from gathering evidence and communicating with your insurer to taking your case to federal court if necessary.
We know how to push back when insurance companies act unfairly, and we aren’t afraid to take your case to court.
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Common Reasons for Long-Term Disability Claim Denial
Insurance companies like MassMutual or Unum often deny long-term disability claims to reduce their financial obligations, even when the claimant has a valid medical condition. Typical reasons for denial can include:
- Lack of medical evidence: Insurers claim there isn’t enough documentation to prove disability.
- Pre–existing condition exclusions: The insurer argues your condition existed before coverage began.
- Surveillance or social media monitoring: Misinterpreted activities may be used against you to suggest you’re not truly disabled.
- Missed deadlines: Late filings or incomplete forms are often used as grounds for denial.
- Non–compliance with treatment: The insurer alleges you didn’t follow prescribed medical treatment.
- Definition of disability disputes: They claim your condition doesn’t meet the policy’s specific disability definition.
Understanding why your claim for disability benefits was denied is the first step toward building a strong appeal with BenGlassLaw. Call us 24/7 to speak with one of our experienced denied long-term disability attorneys.
Complete a Free Case Evaluation form now
Get a Free Consultation With Our Denied Long-Term Disability Attorneys Today
A denied long-term disability claim can be overwhelming, but you don’t have to face it alone. At BenGlassLaw, our experienced denied long-term disability lawyers possess the knowledge, tools, and successful history needed to contest the insurance company’s denial and secure the benefits you are entitled to.
Visit our FAQ page to learn more about the appeals process, or contact us today for a free consultation with one of our denied long-term disability attorneys. We’re ready to help you fight back and secure the benefits you’ve earned.
Call (703) 591-9829 or complete a Free Case Evaluation form