Denied Long-Term Disability Benefits In Florida? Six Things To Know About Filing An Appeal
Employer-provided long-term disability insurance helps protect your financial security if you experience an illness or injury that prevents you from working for a year or longer. You count on benefits to be there when you need them, so it can come as a shock when the insurance company rejects your claim.
Dealing with a denied long-term disability (LTD) claim can feel overwhelming, especially when you rely on those benefits to support yourself and your family. Our Jacksonville long-term disability lawyer explains common reasons for denied claims and six things you need to know about filing an appeal.
Common Reasons For Denied Employer-Provided LTD Benefits In Florida
Employer-provided long-term disability insurance serves as a critical safety net for many employees. According to the Council for Disability Awareness, 40% of private sector employees have employer-provided LTD coverage.
However, while offered through their employer, long-term disability benefits are administered through insurance companies. As the primary concern for insurers is protecting profits, claims frequently end up being denied, depriving workers and their families financial support at a time they need it the most. Common reasons include:
- Pre-existing conditions;
- Disputes over policy exclusions and the terms of coverage;
- Providing insufficient medical evidence that you suffer a disabling condition or that you are unable to work;
- Failing to follow doctor’s instructions;
- Mistakes in completing the application and administrative errors in claims processing.
6 Things to Know About Florida Long-Term Disability Appeals
Long-term disability claims are frequently denied, but insurers must allow you to appeal their decision. While appealing a denied long-term disability claim in Florida can be difficult and time-consuming, it is often the only way to get the benefits you are entitled to and deserve. Here are six things to know about the appeal process:
- You have a limited time to appeal: Thoroughly review your denial letter, as it likely has strict deadlines for filing your appeal.
- Note the reason for the denial: Insurers must have a valid reason for denying your benefits.
- Get copies of all policy documents: The Employee Retirement Income Security Act (ERISA) requires employers provide copies free of charge and at your request.
- Get professional legal help: Having an experienced Florida long-term disability lawyer on your side increases the odds of getting the benefits you are entitled to on appeals.
- Continue getting medical care: Follow all your doctor’s instructions, undergo any recommended testing or treatment, and keep copies of all medical records.
- Protect your privacy: Insurers are adept at gathering evidence to use against you. Avoid posting activities on social media or discussing your claim until it is resolved.
Schedule A Consultation With Our Florida Long-Term Disability Lawyer
Insurers are good at finding reasons to deny long-term disability claims in Florida. Fortunately, Farrell Disability Law is adept at dealing with these companies, understands their tactics, and fights to get the maximum benefit you are entitled to in your claim. Get the trusted, local legal representation you need. Contact our Florida long-term disability lawyer to schedule a consultation in our Orlando or Jacksonville office today.
Source:
dol.gov/general/topic/health-plans/erisa#:~:text=The%20Employee%20Retirement%20Income%20Security,for%20individuals%20in%20these%20plans
