When Thrivent denies a long-term disability claim, you and your family could face serious financial pressure. Without disability benefits, you may have difficulty keeping up with medical expenses, household bills, and other costs while dealing with a disabling condition.
At BenGlassLaw, our Thrivent denied long-term disability claims lawyers understand how important long-term disability benefits can be when you are unable to work.
We have recovered more than $100 million in claims and benefits for our clients. A denied long-term disability claims lawyer can review your denial and work to pursue the benefits you may be entitled to receive, so don’t wait to get started with a free consultation.
Why Choose BenGlassLaw After Thrivent Denies Your Claim?
A denied disability claim does not necessarily mean you have reached the end of the process. Depending on the policy and circumstances surrounding your claim, you may have options for challenging the decision.
Our team provides focused assistance throughout the claims process. When you work with BenGlassLaw, you can expect:
- Over 22 years of experience: Our team brings more than two decades of experience handling disability claims and helping clients pursue benefits after insurers deny claims.
- Founded in 1995: BenGlassLaw has served clients for decades, building a long-standing commitment to protecting clients facing insurance and disability disputes.
- Exceptional customer service: We keep clients informed about important developments and provide responsive assistance throughout the legal process.
- Available 24/7: Disability issues can arise at any time, so our Thrivent denied long-term disability claims lawyers are available around the clock to help address questions and concerns.
For a free legal consultation call (703) 591-9829
Why Might Thrivent Deny a Long-Term Disability Claim?
Insurance companies may deny disability claims for several reasons. The specific reason should be stated in the denial letter or other claim correspondence, although the explanation may require a careful review of the policy and supporting evidence.
Thrivent may dispute whether a medical condition prevents you from performing the duties of your occupation. A denial may also involve questions about the medical evidence, the definition of disability under the policy, whether sufficient documentation was submitted, or whether policy requirements were satisfied.
Some disability policies initially focus on whether you can perform your own occupation. After a certain period, the policy may change the definition of disability and require proof that you cannot perform other work for which you may be reasonably suited.
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What Should You Do After a Thrivent Disability Denial?
Start by carefully reviewing the denial letter and the policy governing your benefits. The denial should explain why Thrivent reached its decision and may identify deadlines or procedures for requesting an administrative appeal.
Gather medical records, physician statements, employment information, job descriptions, claim correspondence, and other documents relevant to your disability. A disability attorney can review these materials to identify weaknesses in the insurer’s decision and determine what evidence may help support an appeal.
Do not ignore an appeal deadline. Certain disability policies, particularly employer-sponsored plans governed by ERISA law, can impose specific administrative procedures and deadlines. Missing a required deadline can affect your ability to challenge the denial.
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How Can a Disability Insurance Lawyer Challenge a Thrivent Denial?
An LTD insurance lawyer can begin by examining the insurance policy and the reason Thrivent gave for denying your claim. The next steps depend on the type of policy, the claim history, and the available evidence.
For an appeal, your legal team may gather additional medical documentation, obtain statements from treating physicians, review your occupational duties, and address specific reasons identified in the denial. The goal is to present evidence that directly responds to the insurer’s position.
The legal strategy can differ substantially between an employer-sponsored disability plan and an individual disability insurance policy. ERISA may govern certain employer-sponsored plans, while other policies may be governed primarily by state insurance law. Determining which rules apply is an important part of reviewing a denied claim.
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What Evidence Can Support a Long-Term Disability Appeal?
Strong documentation can help demonstrate how a medical condition affects your ability to work. Medical records are often important, but an appeal may require more than simply submitting a diagnosis.
Some useful pieces of evidence may include:
- Medical records: Treatment notes, diagnostic testing, imaging, and other medical documentation can establish the nature and severity of a disabling condition.
- Physician opinions: Statements from treating doctors can explain functional limitations and why a medical condition interferes with work duties.
- Occupational information: A detailed description of your position can help show the physical, cognitive, or other demands of your occupation.
- Employment records: Performance records, attendance information, and documentation concerning your work may provide additional context.
- Claim correspondence: Letters and other communications from Thrivent can help identify the insurer’s stated reasons for denying benefits.
- Policy documents: The policy determines the applicable definition of disability, exclusions, limitations, and other requirements.
How Long-Term Disability Benefits Can Help
Long-term disability insurance is designed to provide financial benefits when a covered disability prevents an insured person from working as required by the applicable policy.
Depending on the policy, benefits may replace a portion of lost income and may continue for a specified period if eligibility requirements remain satisfied.
Insurance denials can therefore have consequences beyond the immediate loss of a monthly payment. If benefits are not available, a person may need to use savings or other resources while dealing with an ongoing disability.
BenGlassLaw can review the terms of your coverage and the circumstances surrounding the insurance denial to help determine what options may be available. Call us today to get a free consultation with our experienced team.
Speak to a Thrivent Denied Long-Term Disability Claims Attorney Today
You do not have to handle a Thrivent long-term disability denial without legal assistance. Our Thrivent denied long-term disability claims lawyers can review your denial, assess the available evidence, and help determine the appropriate next steps based on your policy and circumstances.
With more than 22 years of experience and more than $100 million recovered in claims and benefits for clients, our team is prepared to advocate for your interests.
Contact BenGlassLaw to discuss your denied long-term disability claim or to get a free denial letter review.
Call (703) 591-9829 or complete a Free Case Evaluation form