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Finding out your Long Term Disability claim was denied can be discouraging
Our Sanford disability denial lawyer can help you pursue the benefits you are entitled to. If your Long Term Disability claim has been denied, a Sanford disability denial attorney can help you fight for the benefits you deserve.
Long Term Disability (LTD) benefits offer vital income protection for Sanford residents who can no longer work due to a medical condition or injury. These benefits are designed to replace a portion of your income after Short Term Disability coverage ends, helping you stay financially stable. Unfortunately, the road to receiving LTD benefits is often met with roadblocks, including confusing policy terms and unfair denials from insurers.
At Herbert M. Hill, P.A., we help individuals in Sanford fight back after a disability claim is denied. If your insurance provider has refused your claim, you do not have to face the process alone. As your dedicated Sanford disability denial attorney, we work to uncover the real reason behind your denial and build a strategy to challenge it effectively.
Whether you are preparing an initial claim or appealing a denial, navigating the LTD process without experienced legal help can be overwhelming. Insurance companies often use complex procedures to confuse claimants or wear them down.
As a law firm focusing on employee benefits and disability insurance, we know how to anticipate insurer tactics and respond with a plan tailored to your situation. Our clients include professionals, public employees, and private-sector workers across Sanford and beyond—each with a unique set of medical, vocational, and financial concerns.
What to Do After a Long Term Disability Denial
Being denied LTD benefits does not have to be the end of your claim. Many denials are based on missing paperwork, misunderstood medical evidence, or questionable policy interpretations. With the right legal help, you can reverse the decision through a timely and well-supported appeal.
We help clients in Sanford move forward by:
- Reviewing denial letters and identifying the insurer’s reasoning.
- Collecting strong medical records and statements from treating
physicians. - Working with vocational experts to establish a client’s inability to work.
- Preparing and submitting a comprehensive appeal within policy time
limits.
Acting quickly is essential, as most LTD policies impose strict deadlines for filing an appeal. Our firm will keep you informed throughout the process and ensure your appeal is fully supported.
Challenging the Tactics Insurance Companies Use to Deny Claims
Unfortunately, insurance companies often use technicalities or narrow interpretations to avoid paying LTD claims. At Herbert M. Hill, P.A., we have handled a wide range of disputes, including:
- Disagreements over what constitutes a disability under the plan.
- Disputes over whether income was properly calculated before disability.
- Offsets applied due to Social Security, workers’ compensation, or other benefits.
- Limitations related to mental health or “self-reported” conditions like migraines or chronic fatigue.
- We know how to counter these efforts and hold insurers accountable when they attempt to minimize or avoid their obligations
Common Issues in Long Term Disability Claims
We have taken numerous claims to lawsuits, addressing a variety of issues, including:
- Definition of “Earnings”: Determining what constitutes pre-disability earnings under your policy.
- Definition of “Disability”: Clarifying the policy’s criteria for qualifying as disabled.
- “Own Occupation” vs. “Any Occupation”: Understanding whether your policy covers you if you cannot perform your specific job or any job.
- Overpayment and Offset Issues: Navigating situations where benefits are lower due to other income sources such as Social Security, Workers’ Compensation, or pensions.
- Mental or Nervous Limitations: Addressing limitations on benefits for mental health conditions.
- Self-Reported Symptoms: Handling claims involving symptoms that are not easily verifiable through objective medical testing.
Why Work with Herbert M. Hill, P.A.?
Choosing the right attorney can significantly affect the outcome of your LTD claim. At Herbert M. Hill, P.A., we provide personalized and diligent legal representation to clients across Sanford dealing with denied disability claims. Our practice is concentrated on disability and ERISA-related matters, giving us the focused knowledge to handle complex insurance disputes.
We treat every case with care, offering clear communication and customized strategies from start to finish. Whether filing your first application or challenging a denial, we are here to help protect your rights and financial future.
Speak with a Sanford Disability Denial Attorney Today
If your Long Term Disability claim has been denied, do not delay. The sooner you act, the better your chances of a successful appeal. Contact us today to speak with a knowledgeable Sanford disability denial attorney. We are here to help you navigate the process, assert your rights, and pursue the benefits you deserve.
Testimonials
Unfortunately, my medical condition forced me to stop working. After applying for Long Term Disability benefits through coverage I had with my employer, I was forced to look for representation. No attorney would take my case until I consulted with and hired Herbert M. Hill, P.A. to enforce my rights. It was an excellent decision. Mr. Hill and staff worked promptly to appeal the benefit denial. The appeal was successful and I have been on benefits ever since. After that, Mr. Hill kept my file open. His firm has handled all paperwork and walked me through each issue which came up.
I am a former manager of a well known telecommunications company. After many years on a successful career path, my health conditions forced me to file for Long Term Disability benefits. Although it seemed to me that I was clearly disabled, the insurance company denied my benefits. It was at this time that I decided to employ the services of Herbert M. Hill, P.A. to assist me with the claims. I am glad I did.
At any given time, I knew where my case stood. If I had any questions, they would be answered on my first call or by the end of the same day.
The case was handled efficiently and in a timely manner. I have and will continue to recommend Mr. Hill.
The undersigned is a veterinarian whose health conditions forced me to file for disability benefits, including benefits pursuant to an “overhead” policy.
There were any number of issues which arose, none of which I would have expected. Mr. Hill even came to my office for a review of my office procedures and a meeting with the insurance company’s field representative.
The assistance provided by Mr. Hill and his staff proved invaluable, even continuing with related issues which have continued to arise after my disability claims were approved…
I am extremely grateful for the personal concern shown – not only about my claims but about me – his staff’s concerns as to how my claims and the issues relating thereto would affect me, as a person.
Mr. Hill filed an appeal which resulted in an early settlement of the ensuing lawsuit which was the result I wanted. Because of the successful handling of that claim, I retained Mr. Hill to handle an issue which arose in conjunction with my entitlement to continuing pension benefits. Mr. Hill again filed an appeal which resulted in those benefits being reinstated.
I was very pleased with not only the favorable results secured as a result of Mr. Hill’s representation but also the manner in which he handled the claim and kept me advised throughout the proceedings.