If Aflac denied your long-term disability claim, you may feel frustrated and unsure of what to do next. Fortunately, a denial is not always the end of your claim. Depending on your policy, you may have the right to appeal the decision and submit additional evidence to support your case.
An Aflac denied long-term disability claims lawyer can help you determine the reason for the denial, walk you through the appeals process, and complete the filing. The right appeal could mean the difference between getting benefits and being left with nothing.
At BenGlassLaw, our attorneys have recovered more than $100 million in claims and benefits for clients and have extensive experience handling long-term disability appeals. Our denied long-term disability claims lawyers understand what it takes to build a strong appeal. Contact us 24/7 for a free denial letter review and consultation with our team.
How an Aflac Denied Disability Lawyer Can Help With Denial Letter Reviews
A denial letter contains important information about why your claim was rejected and what steps you must take if you wish to appeal. Missing an appeal deadline or important information can hurt your chances of recovering benefits. A lawyer will:
- Review your denial letter.
- Examine your disability policy.
- Evaluate the strength of your potential appeal.
- Explain your legal options.
- Answer your questions about the denial letter.
Understanding your denial letter and your available options is an important step in deciding what to do next. We offer free denial letter reviews, so don’t hesitate to reach out to us.
For a free legal consultation call (703) 591-9829
Why You Should Secure Legal Representation
Appealing a denied disability claim often requires much more than simply asking Aflac to reconsider its decision; it can be a long, tedious process that can get overwhelming and confusing fast.
A successful appeal usually depends on addressing every reason listed in the denial letter and presenting strong evidence, which a lawyer can help you gather and present.
Below we’ll go into more detail on why having legal representation can be helpful with your appeal with Aflac.
Presenting the Necessary Evidence to Aflac
Your lawyer will work to build the strongest appeal possible by gathering evidence such as:
- Complete medical records.
- Statements from your treating physicians.
- Functional capacity evaluations.
- Vocational evidence, when appropriate.
- Expert opinions supporting your disability.
- A detailed review of your policy language.
They can carefully organize this evidence to show how your condition meets the requirements of your disability policy.
Coming Up With a Strategy for Aflac Disability Appeals
The best appeal strategy depends on the type of Aflac policy you have, which generally falls under whether you got your insurance through your employer or on your own.
If your disability coverage is provided through your employer, your claim may be governed by the Employee Retirement Income Security Act (ERISA). This is a federal law with strict appeal deadlines and procedural requirements. In many ERISA cases, the administrative appeal is your best opportunity to submit evidence before litigation.
If you purchased your Aflac disability policy on your own, different state laws may apply, giving you additional legal options if your claim was improperly denied. No matter what type of policy you have, an experienced lawyer will review your coverage, explain the rules that apply to your case, and develop a strategy tailored to your situation.
Understanding How Aflac Claims Generally Work
Aflac is one of the nation’s largest supplemental insurance companies. Like other disability insurers, Aflac carefully reviews every claim and may deny benefits if it believes the policy requirements have not been met.
The company has claims adjusters, medical reviewers, and attorneys working to protect its financial interests. This can make the process of securing benefits more challenging.
You should have experienced legal representation protecting your rights and helping you navigate the claims process. An Aflac denied long-term disability claims attorney can review your policy, address disputes with Aflac, and work to pursue the benefits you deserve.
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Why Was My Aflac Long-Term Disability Claim Denied?
Aflac may deny a long-term disability claim for many reasons. Understanding why your claim was denied is one of the first and most important steps before filing an appeal. Common reasons for an Aflac disability claim denial include:
- Not enough medical records or supporting documentation.
- A dispute with the policy’s definition of disability and your situation.
- A pre-existing condition exclusion.
- Missed deadlines.
- A determination that your medical condition does not prevent you from performing your job duties.
Many Aflac disability policies are voluntary benefits purchased through an employer or individually. Depending on your policy, the definition of disability may change over time. These policy terms can significantly affect whether your claim is approved.
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Get a Free Case Evaluation With an Aflac Denied Long-Term Disability Claims Law Firm
If Aflac denied your long-term disability claim, do not wait to learn about your legal options. Many disability policies have strict appeal deadlines, and waiting too long could affect your right to pursue benefits.
You do not have to face Aflac alone. The attorneys at BenGlassLaw have decades of experience and are ready to review your case. Our Aflac denied long-term disability claims lawyers handle these cases on a contingency fee basis, so you pay no attorney’s fees unless we recover benefits for you. We typically win over 80% of the appeals cases we accept.
Reach out to us today for your free case evaluation. We are available 24 hours a day, 7 days a week to discuss your claim.
Call (703) 591-9829 or complete a Free Case Evaluation form