For many people with disabilities, Social Security is the only safety net there is when they are no longer able to work. For many others, there’s another type of benefit called long-term disability (LTD). Unlike Social Security programs, LTD plans are issued by private insurance carriers. People who have LTD plans typically get them through an employer or purchase them privately.
While LTD plans can be a great way to secure your livelihood in the event of a serious illness or injury, many policyholders find themselves in the same place as those applying for SSDI or SSI: buried in rejection letters. When you’re out of work and struggling to make ends meet, these rejections add a literal insult to injury.
The appeals process for an LTD plan denial will depend on whether the plan was purchased privately or obtained through an employer. Employees will generally have specific guidelines they must follow to appeal a disability claim, beginning with an internal appeal through the insurance company.
Those who purchased their plans privately will have more options as soon as they receive the rejection notice, up to and including a lawsuit. They don’t have to file an internal appeal first. The State of Florida has laws regarding insurance policies and contracts, and the policyholder would consult these.
Regardless of your situation, you want to get through the appeals process as quickly as possible. A long-term disability attorney can help you determine what to do after your claim has been rejected. Whether you need to revise your claim or sue for breach of contract, a long-term disability attorney can guide you through the entire legal process.
Let Katherine help
Katherine is an experienced long-term disability attorney. She has provided legal counsel and education to people with disabilities, and has represented many of these people in court, fighting to get them the benefits they deserve.
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Whether you’re having problems with a long-term disability claim or just have questions, we’re here to help you. Reach out to us by email, phone, or even text message for a free consultation today!