Long-Term Disability Denied In Florida? We Fight For Your Rights To Benefits

Long-term disability (LTD) insurance may be available through your employer, privately purchased policies, or the Social Security Administration. It reimburses up to two-thirds of your lost income when health problems prevent you from working for a year or longer. However, LTD claims denials in Florida are common.

Our Orlando long-term disability lawyer protects the rights of clients in these cases. We review your claim, the reasons for your denial, and take the legal actions needed to file an appeal. Find out more about how to fight for the benefits you deserve. 

Why Was My Florida Long-Term Disability Claim Denied?

Sudden injuries, severe illnesses, and chronic health conditions can cause troubling symptoms and limited mobility, impacting you on the job. Long-term disability occurs when you cannot work for a year or longer.

Employer-provided LTD policies, private coverage, and Social Security disability benefits can help offset your losses. Unfortunately, while you may be legally entitled to these benefits, claims denials are common.

According to the Social Security Administration (SSA), insurers deny nearly 40 percent of all long-term disability claims. Are you worried and wondering why you got a denial letter? Common reasons include:

• Not having a qualifying medical condition: LTD insurers and the SSA both have strict guidelines for benefits, including the kinds of conditions covered.
• Not having a firm diagnosis from your doctor: To get your LTD claim in Florida approved, you need a firm diagnosis. Include test results, other medical records, and statements from medical providers regarding impacts on your health and mobility.
• Mistakes and errors in submitting a long-term disability claim in Florida: Completing claims forms incorrectly and not providing requested information are among the top reasons for LTD denials in Florida.

How To Fight For Long-Term Disability Benefits In Florida

If you receive a long-term disability claim denial in Florida, do not be discouraged. Fortunately, you have the legal right to appeal the decision. However, it is important to act quickly, as time limits apply. To fight for your benefits, take these steps:

• Review the denial letter: Note the specific reasons given for denying your disability claim.
• Review the terms of your LTD policy: The Employee Retirement Income Security Act of 1974 (ERISA) requires employers to provide copies of policy documents free of charge and at your request.
• Be aware of deadlines: You usually only have two to three months from the date of the denial letter to file an appeal.
• Contact an experienced Florida long-term disability lawyer: We can gather the additional evidence needed to support your claim, make compelling legal arguments before administrative judges, and take the insurer to court if they continue to wrongfully deny benefits.

Contact Our Office And Request A Consultation With Our Florida Long-Term Disability Lawyer Today

Long-term disability claims are frequently denied, but you have the right to file an appeal. To protect your rights and get the maximum benefits you are entitled to, contact Farrell Disability Law. Request a consultation with our experienced Florida long-term disability lawyer in our Jacksonville or Orlando office today.

Sources:

ssa.gov/open/data/targeted-denial-review.html

dol.gov/general/topic/health-plans/erisa#:~:text=The%20Employee%20Retirement%20Income%20Security,for%20individuals%20in%20these%20plans.