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Denied Disability Insurance
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By Heidi Turner
Both short-term disability and long-term disability policies are purchased as insurance to protect you in the event that you become disabled and can no longer work. But countless policy holders are denied disability insurance by insurers who employ bad faith practices. Experienced long-term disability insurance lawyers can help consumers appeal wrongly denied disability claims and file a long term disability lawsuit.
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Denied Disability Insurance
Short-Term Disability Denial—Am I Eligible for Benefits?
These benefits can be funded and administered by an insurer or funded by the employer and administered by a third party administrator. The employer is usually involved with a short-term disability claim.
If you are denied short-term disability, you have the right to appeal. Disability insurance attorneys advise you to examine your policy and make sure your disability falls within its definition of STD. Next, have your physician re-evaluate your condition and obtain a copy of your medical record—it will be required as evidence with your appeal. Lastly, consult with a bad faith insurance attorney who is experienced in short-term disability claims.
Long-Term Disability Denial—Am I Eligible for Benefits?
Most people believe their long-term disability (LTD) benefits cover injuries that are work-related only. However, it is estimated that more than 95 percent of LTD claims are non-work related, such as chronic diseases, mental illness and cancer. These illnesses and more may be covered on your LTD benefits policy.
If you have made a claim under a long-term disability policy and have had your claim denied, or if your claim was approved and then later terminated, you have the right to appeal and an attorney can help determine if you are eligible for substantial additional benefits.
Long-term disability policyholders in Washington, Oregon, Hawaii, Alaska, Montana, Idaho, California, Nevada and Arizona who have had their LTD claims unfairly or unreasonably delayed or denied may be eligible to file a lawsuit against their long-term insurance company.
Long-term insurance companies that have or could face a denied disability claim include Cigna, The Hartford, Aetna, Lincoln Financial, Sunlife, Prudential, Liberty Life, Reliance Standard, Sedgwick, Dearborn National, MetLife, Principal Financial Group, Guardian Life, The Standard, Mass Mutual, Union Central, Lloyd's of London, Illinois Mutual, Assurity and Fidelity Insurance Group.
Denied Disability Lawsuit
Wrongfully Denied Disability and ERISA
ERISA is a government statute comprising a series of regulations. These regulations, however, are rarely enforced by the Department of Labor, thereby allowing the insurance industry to employ bad faith practices and denying your claim. Because ERISA is so complicated and evolving, you need an experienced attorney to understand and identify bad faith tactics by the insurer.
The ERISA law regulates most every aspect of employee welfare benefits. Even though it is a complex set of rules, ERISA was set up in 1974 to give you the right to pursue a lawsuit in federal court. Be aware that a disability lawsuit occurs before a judge only (no jury) who will review only those administrative documents on record—you seldom have a second chance so it is imperative that you seek an experienced ERISA attorney.
To file an ERISA claim you must do the following:
File an initial claim with your insurer and typically within 45 days a claims reviewer will determine whether you are entitled to disability benefits
If you are denied benefits, you can either accept that decision or appeal for another review by the insurance company. The insurance company must explain to you the reason for their denial.
Be aware that both processes involve deadlines, which should be clearly defined in your letter of denial. As a rule, you will have only 180 days to file an administrative appeal of the denial.
If you fail to meet these deadlines, you may lose all rights of appeal and your right to file a wrongfully denied disability lawsuit.
If you have appealed your case under ERISA and haven't received a decision within 45 days, disability insurance lawyers advise that you file a lawsuit sooner than later. It is advantageous for you that a judge receives documentation from your attorney rather than just reviewing documentation from the insurance company that denied your claim.
For more ERISA information visit The Department of Labor(DOL) website and ERISA commonly asked questions.
Common Claim Denials
Bad Faith Disability Insurance
Besides intentionally denying a claim, Insurers are well-versed in a number of insurance denial tactics, such as:
- Misclassifying injuries and/or insisting your medical condition is pre-existing
- Denying your medical records and/or claiming you lack "objective medical evidence"
- Relying on evidence by their independent medical examiner
- Partial payments on disability claims
- Unreasonable denial, delay, or policy termination
- Concealing benefits from policyholders
- Insisting you are able to work in another occupation
Register your Denied Disability Claim ComplaintIf you or a loved one has been Denied a Short-Term or Long-Term Disability claim, you may qualify for damages or remedies that may be awarded in a possible lawsuit. Please fill in our form to submit your complaint and we will have a lawyer review your Insurance complaint.
At LawyersandSettlements.com, it is our goal to keep you informed about important legal cases and settlements. We are dedicated to helping you resolve your legal complaints.
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DENIED DISABILITY INSURANCE LAWSUITS
- INSURANCE DENIALS – MENTAL HEALTH EATING DISORDER LAWSUITS
- Reliance Standard Life Insurance Company Denied Disability policyholders have filed denied disability lawsuits claiming bad faith tactics
- Guardian Life Insurance Denied Disability Lawsuits policyholders claim the insurer has wrongfully denied disability benefits by practicing bad faith insurance
- Liberty Mutual Denied Disability Lawsuits alleging bad faith insurance practices and denying long-term disability insurance.
- The Standard Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Metlife Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Hartford Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Cigna Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Washington Long Term Disability Insurance alleging insurance fraud and denied claims.
- Oregon Long Term Disability Insurance alleging insurance fraud and denied claims.
- Idaho Long Term Disability Insurance alleging insurance fraud and denied claims.
- California Long Term Care Insurance alleging insurers negligently or fraudulently fail or refuse to pay benefits.
- CIGNA Denied Disability Insurance
- California Launches Investigation Into MetLife Death Payment Practices
- Sun Life Faces Potential Class Action Over Disability Contracts
- LINA Insurance alleging violations of disability insurance claims.
- Long Term Care Insurance Las compañías de seguro para cuidados por largo plazo parecen estar negligentemente o fraudulentamente no pagando o negandose a pagar los beneficios.
- Long Term Disability Insurance alleging insurance fraud and denied claims.
- Unum Insurance for allegedly denying long-term disability claims.
DENIED DISABILITY INSURANCE LEGAL ARTICLES AND INTERVIEWS
Insurance Companies in Denial regarding Long COVID
Covid Long-Haulers and Denied Disability
Long-Term Disability Attorney Discusses Long-COVID Disability Claims
September 15, 2022Despite government entities recognizing Long Covid as a disability, attorneys are litigating against health insurance companies that deny disability benefits to COVID long haulers. READ MORE
Covid Long-Haulers and Denied Disability
June 24, 2022If you are a COVID 19 long-hauler and your disability claim has been denied, don’t give up – don’t accept excuses from your insurer. The medical and legal community, state and federal governments (including the CDC) and a recent global survey recognize Long COVID as a disability and insurers will increasingly find it difficult to deny LTD benefits. READ MORE
Long-Term Disability Attorney Discusses Long-COVID Disability Claims
April 27, 2022It’s no surprise that some “long COVID-19” claims are denied by insurance companies: there was even a debate about whether it was real. But long-term disability attorney Brent Dorian Brehm, with Kantor & Kantor LLP has already won “post-COVID-19 syndrome” appeals for his clients. Brehm discusses how best to file a long-COVID LTD claim. READ MORE
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Levius Petterson D Toussaint
My thing is the state dept. want talk about ''SRS'' cause they is a worker's comp. insurance co. and I wasn't in a worker's comp. I had a Trucker's Insurance Policy I was paying in on the job and this company was the owner of my policy. So they made up they own rules if they want to pay. So the state dept. didn't see no wrongdoing because the never had a word to say about ''SRS'' working my case and later denial my claim because the job lied that I wasn't on the job.
But they told me to file a claim with the TWC to get help with my stroke, I show the proof I was on the job and the trucking co. pay for the load I pick up and drop off on the 7.28.2009. So over 10 yrs. the TDI won't answer me at all. And no lawyer will take my case because ,it wasn't a worker's comp. claim. So is this fair to me, how the state is doing me on this case. Because my right is taken from me know the state dept. is over looking my claim and no lawyer will take my case.
This case was filed on time back in Sept. 9.209 on the phone and a few day later I sign the paper work that came in the mail. How is it that the state dept. want do they gob. The trucking co. made up they own rules that they want pay because.GOD was the one who cause my stroke on the job, so that fall under An Act Of GOD, but that is not in my policy like that at all. I been in this policy from Dec.1,2006 up till Aug.2009, and the job took the money out from my payroll after the knew about my stroke. This cause me 14 days in the hospital .
So in Feb.2010 I was sent to the TWC Doctor in Houston and this doctor read my report from the hospital & the doctor which was 800 pages . This doctor could read all of them, in 10 mins. and tell me my stroke didn't come from the job, but from my mom or dad. I then let this doctor know I had been driving trucks from Sept. of 1973 up to the day of my stroke which was July 28,2009 and I had pass my DOT CHECK UP in Dec. 2008. So now at the time I'm being taped.
So when I sad that this doctor jump up and ran over to the tape recorder and turn it off. So I wrote in on this doctor to the TWC in Austin, Tx, and a few weeks later a agent from the Houston, office call me up and let me know they can't help me any more because I had paid into a Trucker Group Insurance Policy , so now need to go back to the job for help. So they closed my case at that time. So I looked for help from that day to get any lawyer to take my case, but none could help me.
So where id the help for me when I have talk to 45 lawyer in a month and they wanted $150.00 per hr. But some of them didn't know what a Trucker Group Insurance Policy was. I later own found a None Profit Corp. to take my case who was call ''CIW'' This lady took me she can help me , but she can't work for nothing, so now I'm told she need $500.00 up front for her to take my case,
I let this woman know I didn't have that kind of money ,cause I don't work, so now I told I can pay her as little as$50,oo a month. So I had no other way of help from anybody eles. so I had to take her. I sign the paper work and in 3 months I had paid her off. She then stated on my case and had it reopen that the ''SRS'' had closed it and then the TWC also in March 2010. So now in April 2012 this lady worked this case and Zurich Trucker's Group Insurance gave in and reopen the case that they never closed themselves. Because ''SRS'' WAS THE ONLY ONE WHO FILED THIS CASE FROM DAY ONE. Zurich insurance NEVER HAD A PART IN MY CLAIM CAUSE THE TRUCKING CO. NEVER CALL THEM UP ABOUT ME.
This company of ''CIW'' worked this and the agent of Zurich gave in so they call up the trucking co . of Turner Bros. Trucking and they lied to Zurich that I wasn't on the job the day of my stroke, That was 7,28,2009, So the agent of Zurich let my power of atty. know the trucking co. say I wasn't on the job that day. So now the insurance of Zurich want Burden of Proof I was on the job on July 28,2009 and I had 60 days to show I was , I show my proof in 10 day when I got the call to the agent of Zurich. This was by U.S. MAIL and Email.
Then in a few day I got an Email from James the Agent of Zurich and was told he got my proof, So a week later the power of atty. call me up and asked did I show my proof I was on the job I say yes. So out of nowhere I'm asked where was her proof at ,I let her know she had it from day one when she asked for it when she took the case.
This woman got all up set with me and told me don't call her back any more, she got off my case ,so I email the agent of Zurich to let the agent know my atty. is off my case and don't sent her my money .
Sent it to me only. James then email me back and he say he was sorry to hear that, This is now Oct.20013. So now I had waited up till Jan.2014 and I hadn't got any thing. I was to be paid what was in my contract and that was 104 weeks of $500,00 a week and 52 weeks of Meds. But after I let them know about my atty. they never sent me anything at all.
We went back & force with this insurance co agents of Zurich and 3 months later I cave up and went to the TDI for help and they took the case up to now. But they also have nothing to say about ''SRS'' either. This is something the state dept., don't want out . But this company filed this claim for the trucking co. I was leased to, cause the job didn't want t o let Zurich I was on the job the day of my stroke.
The state dept. of insurance have went dead cold on this case. I 'm still writing them asking them about my case and no one have an answer for me. I'm sent in a email every few weeks asking about my money and no one is answering me back on this case or about ''SRS'' who filed this claim.
I like to know just what I can do from here , cause the trucking co. haven't paid me the money they own me and the state dept. don't want to talk about one of they dept. who filed this claim for the trucking co. they put them on my case. This is proof the TDI don't want out.
But I like to have my money I'm owned from my settlement the Zurich were to pay me since I proof my case, because that was all they were going to pay me . This all come from when I let them know my power of atty. had got off my case. If I didn't do that they would have keep all of my money from me So I think I done the right thing. The ''SRS'' made a claim number on me and it's in all of my report and they still have nothing to say. But the state dept. is suppose to be there for you. But they haven't done they job on this case over 10 yrs. And no one eles will help me. So is there anybody can help me on this case?
knowing they were taking money from my payroll from Dec.1,2006 up to Aug.1,2009 and the state dept. want talk about they agent of SRS filing this claim. So how can they do that. know they are the state dept. But they have nothing to say about this insurance co. who was part of the state.
SO I feel the state dept. don't wrong by not talking about one of they insurance dept. out of Dallas, Tx. filing this claim number under the state 's worker's comp. know I was in a Trucker's Group Insurance Policy over 2.5 yrs. and they seen the policy and never done anything at all .
They never seen any wrongdoing by this trucking co. at all. They never had a word to say from Sept. 9. 2009 up to now. So by law can the state dept. really do this. I have been trying to get money my self by keeping this case open.
I had a workplace injury on the job as a stroke, why still under a dispatcher out on the road. My job knew about my injury/illness and didn't file no claim from my and knowing I was in the hospital.
This trucking co. take this money from my payroll twice a month for over 4 yrs. This is a OCC/ACC group plain insurance for all o/o truck driver.
It was over 30 days before any thing was done, that was because I call and told them I would file a lawsuit if nothing was done.
I was then set up with a outside insurance co. to call up for help. I wasn't thinking at the time that wasn't my insurance co. that was on my payroll who I was paying. This was just to get me to move on. I file my first claim with this insurance co.
And water on after 10 days I was call back up and told the job don't want to pay you. You need to file for worker's comp. I did that and later on I got a call back telling ,me they can't help me because I had paid into a insurance policy on the job and I need to go beck to them for help. But nothing happen.
I just like to know how can an outsider insurance co. play apart in a claim that they name is not on your policy and on your payroll to have money to come out to them. With the lies that was told to them by the job . The outsider insurance co. deny my claim for my benefits and they closed my claim.
How in the hell do this happen. Now the insurance co I was paying from my payroll never did come into play over 2 1/2 yrs. And then they lied about they closed the claim because I didn't answer them back.
I have been going back & force to the TDI for help and now they is tired of me and now don't want answer me any more. This is not a workers' comp. claim,because I paid into a policy
I just want to get paid for the benefit I paid into this policy on the job that's under a trucker's insurance policy. So is there any help for me.
This was really wrong what the trucking co. did to me. No one have every gave me any thing. I need to know if anything can be done. This trucking co. took my money for a insurance co.
That they didn't want them to know anything about my injury on the job. this is really hell. I don't know if they had to many claim or what? This outsider insurance didn't file the claim with the TDI but sent the file back to the trucking co. to file with the worker's comp. and that also didn't happen. I have the proof on paper this insurance co . help the trucking co. out, well wasn't nothing file with any body to have it in the T.D.I just what I sent to them.
Anyway, Sedgwick had my Disability Coordinator write me a letter dated 12/22/15 (which I did not receive until the second week of January 2016) that my LTD would end on January 22, 2016. The letter also states that my final benefit payment will be issued on 2/28/2016.
Now, I know that this is happening because I'm older than 65. I was 64 when I was re-injured on 1/23/13. I was told that since my injury happened after I was 62, but younger than 65, that placed me in a certain category where I could get benefits for 2-1/2 years. This sounded good at first because I thought that everything necessary would have been done during this time -- including my healing up and getting back to work no later than last year. Sedgwick, along with Allied Managed Care Incorporated, would not le this happen.
I was just able to fax my appeal letter to them this morning. Sedgwick did not give me the 180 days for appeal like they were suppose to. I was only given a month. I needed more time because of my injuries; and it has been a hassle trying to get someone to help me write the appeal. I was suppose to send my appeal by mail, but the post office told me that as of right now, it would not ge there by tomorrow, 2/19/16, which is why I faxed it.
I think Sedgwick will deny the appeal. If they do, I will really need your help with this. It is not fair that I am being discriminated against because of my age (I'm 67). These days, people have to work longer than they did back in the day. I cannot retire right now. I have to work at least three more years before I can get full retirement benefits. This Los Angeles County Code about stopping LTD upon becoming 65 must be challenged -- and changed.
I receive the signed Final Order, I will only have 14 days to appeal
Demand for my Work Accident
"I did receive the additional claim information. The adjusted disability date was noticed, however, it was still noted that the claimant was hospitalized on October 30, 2015. The claimant obviously can’t work and be hospitalized at the same time. As well, she did not work the week of November 2, 2015. Her doctor has disabled her on November 2, 2015, and she was hospitalized on October 30, 2015. The additional documentation has not altered the decision that her claim is denied." I do not understand this and why it was denied. This is the second denial. I was told I would get a chance to appeal the first one but they never sent me any paperwork. I really need to rest and not drag myself into work after sitting for chemo the day before.
L N Shapiro
After my early csection, I was diagnosed with diastasis symphysis pubis - 2 cm pelvic internal fracture.
I had to relearn how to walk and am in constant pain from an unstable pelvis & S1.
Cigna approved (after 2 denials) to pay $11,000 for my STD after a Peer to Peer. I was approved for LTD from Cigna to start August 28, my employer terminated me from employment 28 days before that.
Per Cigna, I am entitled to LTD from my ex employers plan- since it was an optional paid policy (2 years)
Yes, Cigna approved me - then stated my ex employer MIS refused to provide any documents for my claim.
My ex employer went as far as to contact Cigna and state they had "no intention of producing documents for my claim now or in the future"
Due to this, I haven't been paid by a policy I paid into.
Cigna said they haven't encountered an employer policy where the employer fails to comply with a request .
Please help. Why is my ex employer allowed to just not produce documents and I do not receive my benefits?
Cigna & the employer should be held responsible ...
Due to none payment; I cannot afford insurance/bills - it's impede ding on my recovery.
Has any courtcase been filed and won regarding Chronic Lyme Disease and the denial of benefits?
Are there any class actions lawsuits being undertaken on behalf of Chonic Lymes Disease patients who lose their ability to function?
Currently the allopathic medical profession demonizes any Lymes Literate Medical Doctor.
I was denied short term disability past two months last year whilst undergoing intensive treatment at a clinic mostly at my expense.Returned to work from 01/15 to 04/15.I relapsed April this year and managed to find a specialist Doctor in my state to find I have several more co-infections that are debilitating and pretty much immobilized me,can be life threatening if not treated.I filed appeals more than once.My new Doctor provided their peer review Doctors with all additional paperwork,substantiating the additional onset and had already advised on paperwork that I am going to be disabled for at least a year,due to the nature of my additional coinfections,which had not come to light during my initial treatment of Chronic Lymes, and through experience of treatments for other patients,this was the time it apparently takes to return someone to a relative state of health to perform a job.
I can go on and on -but I wont.I wanted to know if any case has been won for Chronic Lymes disease patients?
I want to know if there has been any class action lawsuit undertaken?There are thousands of people who are not only suffering major debilitating disorders due to this disease, we experience denial of its existence by the medical profession,denial of suitable treatment, and denial of benefits.
I am afraid to say that this can no longer be hidden under a rug, people are dying from this all over the USA.
I want to know what the legal profession is doing about it to help patients that have been victimized on every level?
William from New York
I was unable to fill out the 180 day appeal time. And just understood that I was denied and that was it. Now I have a MRI, I have had counseling and my counselor states that I have deficits in processing and communicating, along with the fact that I was granted Social security disability benefits in 2012 for borderline personality disorder.
I was wondering if I have a case, because many of diagnosis were not diagnosed at the time of the 180 days, and came up after. And also I was not able to function mentally or physically.