What are the Top 3 Mistakes Claimants Make in Submitting a Long Term Disability Claim?

When your long-term disability insurance has been denied, you almost always have the option to appeal the decision. But it’s crucially important that you get it right—because it may be your only chance and there’s a deadline to do so.

We understand the intense pressure to act quickly, but firing off a quick “I appeal” letter is about the worst thing you can do for your long-term disability claim.

The most important next steps are to:

1. Read the denial letter very carefully
2. Plan your appeal
3. Write an appeal letter that connects all the dots

We always urge anyone who’s been denied their long-term disability benefits to consult with an experienced long-term disability lawyer like our team here at BenGlassLaw. Our consultations are free and we offer a free denial letter review where our experienced team will deny your letter and give you personalized feedback for your next steps.

Read more about your next steps here or watch Ben explain more in this video: https://benglasslaw.wistia.com/medias/o9o78ur6g3

The reality is that insurance companies regularly and wrongfully deny short-term and long-term disability claims for many different reasons. But that’s where our team at BenGlassLaw can help you.

We’ve been doing this since 1995 and the most common reasons for denial that we see are:

1. You don’t file your claim on time
2. Poor documentation
3. The pre-existing condition exclusion
4. Your doctor doesn’t support your claim
5. Social Media
6. Your employer purchased a mediocre long-term disability policy
7. You weren’t kind to the claim’s adjuster

Watch Ben explain these reasons more in depth: https://benglasslaw.wistia.com/medias/2nikz57yjr

There are certainly some advantages to hiring an experienced long-term disability lawyer near where you live, although the reality is that ERISA long-term disability is a niche legal practice, so the odds of finding a highly experienced attorney for your case can be more rare.

The good news is that, due to ERISA regulations, you don’t actually have to live physically close to your attorney to hire them, or for them to represent you in court! When you’re starting your search for a long-term disability lawyer, you should focus on their experience and if they’re a good fit for you, rather than their locality.

Although our team is based in Northern Virginia and files more long-term disability appeals and lawsuits than any other firm in the Mid-Atlantic Region of the US (Source: Pacer, the official government site for Federal Court lawsuits), our team has won benefits for people all across the United States since 1995.

If you’ve been denied your benefits, call us for a free consultation or upload your denial letter to our free denial letter review service.

Watch Ben explain how to find a disability lawyer for your situation:
Finding a lawyer: https://benglasslaw.wistia.com/medias/yutuqb31sv