We often get calls from people who get their long-term disability denied, necessitating an appeal. They want to know how they can win a long-term disability denial.

First, you have to show that you are medically unable to perform your job within the first two years of the long-term disability plan. After that, you have to show that you are medically unable to perform any occupation your education and experience would allow you to do. You must have medically supported evidence to prove this to an insurance company. You need your doctors to declare you are disabled and prove that with observations and medically sufficient opinions.

In submitting your appeal, it should be noted that you have a slim timeframe to file it, about 180 days from the denial. It takes time to read into the policy details and language because every case is policy determinant. You need to file your appeal timely, but a decision from the insurance company can take anywhere from 6 to 12 months from the time of denial.

If you have benefits that have been denied, it’s really important to have an attorney review the policy, see how long it will take to do an appeal, and what your deadline is. Feel free to reach out to us at Bonnici Law Group, where we can look at that information and determine if we can help. Contact us today at (619) 259-5199 or click here for more information!