Long-term disability insurance should protect you, but claims are often denied. If your insurer isn't paying, you have legal options to fight back.
Expert information to help you understand your rights and options
Long-term disability insurance replaces 50-70% of income when illness or injury prevents work. Learn how LTD policies work, the difference between employer-sponsored and individual policies, common policy exclusions, and why claims are frequently denied even for legitimate disabilities.
Most LTD denials can be appealed, but employer-sponsored plans under ERISA have strict deadlines and require a complete administrative record. What you submit in your appeal may be all you can use in court. Learn appeal deadlines, building your record, and when to hire an ERISA attorney.
Employer-sponsored LTD plans fall under ERISA, which preempts state insurance law and limits your remedies in court. Courts often give deference to insurance company decisions. Understand how ERISA changes your claim, available remedies, and the importance of the administrative appeal.
LTD policies define disability differently—own occupation means unable to perform your specific job, while any occupation means unable to work at all. Many policies switch from own to any occupation after 24 months. Understand how this language affects your eligibility and claim strategy.
LTD claims require detailed medical evidence, employment documentation, and careful attention to policy language. Insurance companies look for any reason to deny claims. Learn how to file a strong initial claim, required documentation, medical evidence standards, and avoiding common mistakes.