Why Was Your LTD Claim Denied?

Your LTD claim was denied. That doesn’t mean it was denied properly.

Insurance companies deny valid claims every day, often by relying on technicalities, incomplete information, or internal opinions that do not reflect the full picture.

With the right strategy and evidence, many of these decisions can be challenged and overturned.

Below are some common reasons we see for LTD claim denials:

Delay in Applying for Benefits

Many valid claims are denied simply because they were submitted too late. LTD policies impose strict deadlines and insurers rely on them.

Insufficient Medical Evidence

Your claim must be supported by clear, detailed medical records that explain both your diagnosis and functional impairments.

Failure to Prove You Cannot Work

It is not enough to establish that you have a disability. You must also demonstrate that your condition prevents you from performing the essential duties of your occupation.

Depending on your policy, this requirement can become even more demanding over time by requiring you to show that you are unable to work in any suitable occupation, not just your previous role.

Gaps in Treatment

Inconsistent medical care or missed appointments may be used to argue that your condition is not serious or ongoing.

Failure to Follow Medical Advice

If recommended treatment is not followed, insurers may rely on this to justify a denial.

Surveillance and Social Media Monitoring

Insurers often conduct surveillance or review social media. Activities taken out of context can be used against you.

Pre-Existing Condition Limitations

Your policy may restrict coverage for conditions that existed before your benefits began.

Missed Deadlines

Strict timelines apply not only to your initial claim, but also to appeals and ongoing proof of disability.

Incomplete or Inconsistent Forms

Even minor inconsistencies between your forms, your doctor’s reports, and your employer’s information can raise red flags.

Change from “Own Occupation” to “Any Occupation”

After a period of time, insurers may argue that you are capable of working in any occupation even if you cannot return to your previous role.

Insurer-Hired Medical Consultants

Insurance companies often rely on internal consultants who have never examined you to support a denial.

What To Do After an LTD Denial

1. Do Not Accept the Denial at Face Value

Many denials are based on incomplete or flawed assessments.

2. Act Quickly

Strict limitation periods apply. Waiting too long can affect your rights.

3. Get Legal Advice Early

A strong claim is built from the outset with proper medical evidence and strategy.

How We Help

At DR Injury & Disability Law, we take a strategic, evidence-driven approach:

• We review your denial and policy in detail

• We gather and strengthen your medical evidence

• We deal directly with the insurance company

• We pursue your claim through negotiation or litigation if necessary

Our goal is simple: maximize your entitlement and protect your rights.

Why Choose DR Injury & Disability Law

• Boutique, client-focused representation

• Strategic advocacy tailored to your case

• Experience with complex disability claims

• Direct access to your lawyer

  
  

We understand how overwhelming a denial can feel and we’re here to guide you every step of the way.

Speak With a Disability Lawyer Today

If your LTD claim has been denied, delayed, or terminated, contact us today.

Time limits apply. The sooner you act, the better your position.