Qualifying for long term disability insurance benefits under a private policy or employer based group plan is difficult. An estimated 70% of claims are denied. As a matter of fact, an individual may get approved for social security disability benefits and still have their private or employer group plan long term disability insurance claim denied.
Common denial reasons include, but are not limited, to:
- Claimant is not disabled under the "any occupation" insurance clause of the insurance policy
- Claimant is not disabled under the "own occupation" insurance clause of the insurance policy
- Allegations of fraud
- Allegations that the claimant made material misrepresentations in the application for insurance
- Pre-exisitng exclusion
In addition, if the insured eventually obtains long term disability insurance benefits, hanging on to those benefits is a challenge in and of itself. Disability insurance companies routinely terminate, suspend, deny, cancel or cut-off disability benefits due to variety of reasons, sometimes years after initial approval.
The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability benefits denied, delayed or terminated.
You can reach Long Term Disability Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].