appealing a long-term disability claim denial

When you suffer an ongoing medical condition and can no longer work, you will likely turn to your long-term disability (LTD) benefits for financial assistance. An LTD plan will typically pay 60% of your earnings while you’re off work. 

Whether you have been promised benefits through your employer’s LTD plan or have paid the premium on your own personal plan, you expect those benefits to be readily available. However, nearly two-thirds of all initial LTD claims are denied. Because your application for LTD benefits may not be approved at first, there is important information you need to know about filing a claim, including the deadlines and timelines after a denial. 

Timeframes and Deadlines for LTD Claims and Appeals

If your initial LTD claim was denied, you will typically have 180 days to appeal, but it’s important that you get a copy of your policy to verify this timeline. When you’re dealing with insurance companies that are most concerned with their own financial bottom line, six months isn’t a lot of time. 

Additionally, there are other critical deadlines to be concerned with, including: 

  • Most LTD plans will state you must submit a Notice of Claim by a certain deadline after the onset of your disability. Generally, the plan will give you 20 or 30 days to give this notice. A Notice of Claim is a notification to the insurance carrier that you plan to submit a claim. When the carrier receives your notice, you’ll be sent claim forms.
  • After you send the insurance carrier your completed forms, you will typically wait for 180 days in the Elimination Period—the time between the onset of your disability and the date you can receive benefits. During this period, you’re not eligible to collect LTD.

Trust Marcus Vaden Law

When you’re unable to work due to an ongoing illness or medical condition, dealing with an LTD insurance company that’s denied your claim can be time-consuming, frustrating, and overwhelming. Attorney Marcus Vaden can help get the money you deserve. He has successfully fought for the rights of his Arkansas clients and will help fight for yours. Call today for a free consultation.