Was your Long Term Disability claim denied? If you need a Winter Springs Long Term Disability attorney, the experienced team at Herbert M. Hill, P.A. is on your side. 

At Herbert M. Hill, P.A. we know that every claim for Long Term Disability benefits is unique. However, in our years of practice as Winter Springs Long Term Disability attorneys, we have seen some common reasons that the insurance companies will give for denying these claims. In this blog, we will share some of those reasons and the steps you should take if your claim is denied. 

3 Common Reasons Long Term Disability Claims Are Denied

Lack of Medical Evidence

To substantiate your claim for benefits, you will need to have medical evidence that supports your condition. This could include:

  • Blood tests
  • Imaging, such as x-rays or MRIs
  • Physicians’ notes
  • Medical records
  • And more

Simply providing your insurance company with your diagnosis is not enough to establish a disability. You must have sufficient evidence that shows how your condition impacts your ability to work and function on a daily basis. Your insurance company will want to know the severity, frequency, and overall duration of your symptoms. 

Just because your insurance company does not believe you are disabled does not mean that you cannot obtain benefits. A skilled Winter Springs Long Term Disability attorney, like those at Herbert M. Hill, P.A. can assist you in preparing a case that accurately represents your condition. We can take on your insurer and fight for the benefits that you deserve.

Non-Compliance with TreatmentWinter Springs Long Term Disability Attorney

Many Long Term Disability policies require that the insured individual follow prescribed treatment plans as a condition of receiving benefits. That means that the insurance company could terminate or deny your benefits if you do not submit to reasonable medical treatment. 

If your insurer finds out that you have stopped treatment, they may assume that your condition is not severe enough to require medical care or that it has improved and you are no longer disabled. It is very important to follow your doctor’s treatment plan and maintain consistent medical care. 

Lack of Communication

There is more to the Long Term Disability claims process than simply submitting your initial claim documentation. Your insurance company will continue to communicate with you on an ongoing basis to obtain updated medical records and information about your condition. 

Even if you were approved for benefits, it is not unusual for them to communicate with you while you are receiving those benefits. Your Winter Springs Long Term Disability attorney can help you by communicating with the insurance company on your behalf.

Do You Need A Winter Springs Long Term Disability Attorney?

At Herbert M. Hill, P.A. our attorneys are committed to providing diligent and vigorous representation to all of our clients. We always represent the individual, and never the insurance company. If you have been denied Long Term Disability benefits, we can help. Contact our office today to schedule a consultation.