Long-term disability claims are denied for a host of reasons all the time. Often, it’s because the definition of disability may change in a policy after two years, switching from not being able to do your occupation to any job or any occupation moving forward. Other times, a denial could happen because of a triggered clause, a pre-existing condition is found, or if you are termed out because of age. Whatever it is, denials can be very confusing and often hard to decipher. If you have a denial, it is important to get it reviewed right away because the appeal process can be as short as 180 days.
If you get a denial, reach out to Attorney Josh Bonnici for a free consultation to determine if the denial is wrongful. Then we can jump on it right away, start compiling evidence and start fighting for your benefits. Give us a call at (619) 259-5199 or click here for that FREE consultation!
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What to Do When Your Insurance Company Denies Your Coverage
If you received an insurance denial for your long-term disability insurance, there is no reason to fret right away. You should hire an attorney, gather the necessary evidence from your Administrative Record, the file an appeal in the next 180 days.
What is the Next Step After a Second Disability Denial?
If an appeal is denied, making it the second denial, the next step would be to file a lawsuit in court under ERISA. Once you get to that stage, it is imperative to have an attorney to make sure that all of the legal proceedings and procedures leading up to and filing a long-term disability lawsuit are initiated correctly.