Request Legal Help Now - Free


Taking Action on a Denied Disability Claim

. By
Nashville, TNWhen insurance policyholders have their claims denied or delayed for bad faith reasons, they often feel helpless. After all, it is them versus their insurer, who has deep pockets and little reason to approve a claim. The good news for policyholders is that there are steps they can take if their claims are denied for illegitimate reasons. Those actions depend on what type of insurance they have.

Of course, the problem is that insurance companies can find all sorts of reasons for denying a disability claim, with little consequence for doing so. Take the case of Terry G. (real name withheld), who writes to Lawyers and Settlements that he sent in approximately 100 pages of medical records to his insurance company but had his claim denied for not giving enough information.

Even with enough information given, insurance companies might deny a claim arguing that the condition that led to the claim is not the cause of the patient’s health problems, or that the patient is healthy enough to work. These reasons may even be given when the patient has a diagnosis from a doctor and specialists.

In the case of a denied claim, the patient’s ability to file a lawsuit depends on whether the insurance is private or is governed by ERISA (Employee Retirement Income Security Act). If the insurance is private or was purchased by the policyholder - as opposed to being provided through employment - the insured person can file a lawsuit as soon as an insurance claim is denied.

If the insurance is governed by ERISA - that is, it is provided by an employer - the insured must file an appeal with the insurance company first. If a lawsuit is filed before the appeals process is exhausted, the lawsuit will be thrown out of court. Under ERISA, before any lawsuit is filed, an appeal of the denial must be filed first. Only after the appeals are denied can a lawsuit be filed.

Furthermore, these appeals must be filed within 180 days. If the appeal is not filed within 180 days, the insurance company has the right to refuse the appeal and a lawsuit cannot be filed. ERISA laws also do not allow for punitive damages or pain and suffering. An ERISA lawsuit will only recover money that should have been paid if the claim had not been inappropriately denied, giving insurance companies a good reason to deny claims in the first place.


Denied Disability Insurance Legal Help

If you or a loved one have suffered losses in this case, please click the link below and your complaint will be sent to a financial lawyer who may evaluate your Denied Disability Insurance claim at no cost or obligation.


Posted by

Most are so broke you logic is not practical. i am vet and I am about to lose everything...soon, where is the help??? for REAL HELP

Posted by

Those that are denied, whether it is an individual or group plan, might find it less expensive and quicker to look for a qualified disability claims consultant. Many of these people have been on the inside and some come from the sales side. There are many to choose from and you do not necessarily need to meet them face-to-face. Check out their websites and see for yourself before jumping straight to an attorney.


Fields marked * are mandatory. Please read our comment guidelines before posting.


Note: Your name will be published with your comment.

*Email Address:

Your email will only be used if a response is needed.
*Your Comment:

Are you the defendant or a subject matter expert on this topic with an opposing viewpoint? We'd love to hear your comments here as well, or if you'd like to contact us for an interview please submit your details here.

Click to learn more about

Request Legal Help Now! - Free