If you need help appealing a Rockledge Long Term Disability denial, the attorneys at Herbert M. Hill, P.A. are here for you. We have the years of experience and aggressive representation that you need to pursue a positive outcome. 

Long Term Disability benefits are provided to an individual when they are unable to work due to an illness or injury. These are meant to replace part of the individual’s monthly income, and are funded by an insurer through a Long Term Disability insurance policy. But what happens when someone is denied Rockledge Long Term Disability? If this is your situation, keep reading – and then contact the attorneys at Herbert M. Hill, P.A.

Why Are Long Term Disability Benefits Denied?

Before you begin the process of appealing the insurance company’s decision, you need to understand why your claim was denied in the first place. There are a few common reasons that a Rockledge Long Term Disability claim is denied, including: 

Lack Of Medical Evidence

When fighting for your Long Term Disability benefits, you need to have medical records that support your claim. For example, the insurer expects you to have ongoing regular medical treatment, such as visits with your primary care provider or specialists, at regular intervals. If you cannot show that you need regular medical care, it will make it more difficult to get your benefits. You will also want a doctor’s statement and any relevant medical records included with your claim.

Not Fitting The Definition Of Disabled

Long Term Disability policies vary, so you will want to check what the definition of disability is on your policy. For an “any occupation” Long Term Disability policy, you are considered disabled only if you are unable to perform the duties of any job. In an “own occupation” policy, you will be considered disabled if you are unable to perform the functions of your own occupation.

Additionally, some policies will exclude certain conditions completely, often when they are related to the use of substances or a pre-existing condition.

What Can I Do?

If you have received a denial of your Long Term Disability claim, it is not the end of the road. There is an appeals process that is available to you. 

Before you begin your appeal, you will want to note any deadlines associated with it. One of the most common reasons an appeal is denied is because it is submitted after the deadline. You will then need to carefully review the denial letter, which will explain when and how your appeal will need to be filed.

You will then be able to file an administrative appeal with your insurance company. Working with a Rockledge Long Term Disability attorney can make all the difference, since your attorney will know the steps to take and the documentation needed to pursue your benefits. 

If you have exhausted all administrative appeals and have not received benefits, the final option available to you is to file a lawsuit in federal court. 

No matter where you are at in your Rockledge Long Term Disability claim, the attorneys at Herbert M. Hill, P.A. are here for you. Contact us today for a free initial consultation.