Facing a denial of your initial Long Term Disability claim is not uncommon. To increase your chances of a successful appeal, consider these valuable tips from our experienced Oviedo Long Term Disability attorney.

Employer-provided Long Term Disability (LTD) policies operate under the Employee Retirement Income Security Act. Disability applications submitted under ERISA are assessed by claims administrators employed by your insurance company. However, due to the inherent conflict of interest, these administrators often deny valid claims, even when the evidence of disability is evident, presenting challenges to individuals seeking rightful benefits.

Receiving a denial notice for your LTD application can be discouraging, especially after the effort you have invested in it and the urgent need for wage replacement due to illness or injury. The reality is that most initial LTD applications are denied for a variety of reasons. Your crucial next step is to appeal, where partnering with an Oviedo Long Term Disability attorney offers the best chance of success. Learn the effective strategies we recommend to strengthen your LTD appeal.

Strategy #1: Understand Your Policy

Before filing an appeal for your Long Term Disability claim, it is crucial to review your disability insurance policy thoroughly. Many LTD policies contain vague language, especially concerning critical terms such as “disability” and eligibility criteria. Understanding these terms is essential for constructing a compelling appeal. An experienced attorney specializing in Long Term Disability can assist in navigating these complexities, ensuring you interpret the policy correctly and present a persuasive case during the appeal process.

Strategy #2: Gather Comprehensive Medical Evidence

The most common reason for denial of Long Term Disability claims is insufficient medical evidence. To strengthen your appeal, it is crucial to include strong medical documentation, including doctor’s reports, test results, and specialist opinions, demonstrating how your injury impacts your ability to work. 

Additionally, ongoing medical treatment is critical in supporting your disability claim. An experienced Oviedo Long Term Disability attorney can assist you in navigating this process by helping gather the necessary medical evidence and ensuring that your medical records effectively support your claim during the appeal. Partnering with a knowledgeable lawyer can significantly improve your chances of a successful LTD claim appeal.

Strategy #3: Seek Legal Assistance

Consulting a Long Term Disability lawyer offers invaluable assistance throughout the LTD process, from the initial application to the appeal and preparation for a lawsuit, if necessary. A skilled LTD attorney can thoroughly analyze your case, strategize the best approach, and ensure that all necessary documentation and evidence are gathered and presented effectively. 

When looking for an LTD attorney, take the time to read client reviews and testimonials to assess their reputation and track record in handling similar cases. Seek attorneys with specific experience in Long Term Disability claims, as their skills can significantly enhance your chances of a successful appeal. A qualified LTD attorney can be a crucial ally in securing the benefits you rightfully deserve.

Strategy #4: Continue Medical Treatment

Continuing medical treatment, even after your Long Term Disability claim has been denied, is crucial for enhancing your chances of winning an appeal. Consistent medical care demonstrates ongoing impairment and strengthens your case by providing updated medical records and documentation of your condition’s progression. 

Insurance companies often deny claims based on insufficient medical evidence, so continued treatment shows that you are actively managing your condition and seeking necessary care. Additionally, ongoing medical records can support your appeal by highlighting any worsening symptoms or new diagnoses since the initial claim. 

By prioritizing consistent medical treatment, you are prioritizing your health and bolstering your appeal with vital evidence that can improve your likelihood of securing the LTD benefits you deserve.

Partner With Herbert M. Hill, P.A. For Your LTD Appeal

Implementing effective strategies in LTD appeals is crucial for increasing your chances of success. By persevering through the complexities of the appeals process and seeking guidance from an experienced Oviedo Long Term Disability attorney, you can significantly improve your chances of getting the benefits to which you are entitled. 

Contact the attorneys at Herbert M. Hill, P.A. today to take proactive steps toward a successful appeal. Our dedicated team specializes in LTD claims and can provide the experience and support you need to navigate this challenging process. Contact us for a consultation and begin the journey towards obtaining your rightful disability benefits.