Do You Have An Appeal Letter Specific To Long Term Disability?


3 Answers

Shane Richardson Profile
When appealing for a specific long-term disability, there needs to be accuracy in both the mode of appeal and the information volunteered.

First, it is vital to understand why the appeal was denied in the first place. This form of insurance is designed to protect one against unforeseen illness or injury, which may leave one unable to work. Denial of such claim may cause detrimental emotional effects on the applicant. However, this may be appealed thus there is need to access specific information that pertains to a letter appealing to long-term disability.

The main issue that leads to a difficulty in compilation of the appeal letter is the documentation. Therefore, one needs to understand why the claim was denied first, work with the time limits set so as not to be overdue. This is mainly because this process is much of a legal process bound by time. Documentation of any and or all contact, which has been performed with the insurer. This should be accurate to avoid misinformation or misrepresentation of facts. As regards to this, follow up any communication made to enhance that the intended recipient has received it. Any new supporting information should be gathered and special emphasis lain on medical records evaluation.

With the documents in place, proceed to draft the appeal letter.

Begin by a brief overview of the position you are in, followed by an explanation of the evidence relates and shows you are disabled. This should pay close reference to the company insurance policy. Avoid personal opinions and remain focused towards getting the appeal approved. Threats are not necessary and should be avoided at all costs.

It is important to indicate your commitment towards getting the appeal approved while at the same time remaining polite and to the point. Conclude the letter with a notch of optimism and ensure that the letter is sent. A carbon copy should also be sent to the state’s department of insurance, on e to your attorney and if deemed necessary, one to the insurance commission. Once delivered, ensure you keep delivery notifications as evidence of delivery. All this should be done with time in mind since it is a law bound process.
Diane Tedesco Profile
Diane Tedesco answered
I believe that you should keep reapplying, as it may take up to 7 times to get approved for your benefits
thanked the writer.
Prancing wolf Potawatomi
For Long Term Disability Insurance all you get is one appeal. After the insurance company denys you, you have 180 days to submit an appeal with new information. If you submit an appeal in that time, they have 90 days to give you an answer. If they deny you, you can no longer appeal. You can hire a lawyer and try suing them after that, if you win you usually get maybe 20 to 30 cents on the dollar in a lump sum, then you have to pay your lawyer 40% of that.
Prancing wolf Potawatomi
This insurance is from a private company kinda like AFLAC but paid by corporations. AFLAC is one of the only good disability insurance company. My insurance would have paid me 50% of my paycheck till I reached 65. So instead of getting about 850K spread over 19 years to pay for insurance and mortgage, if my lawyer does the best and gets me 30 cents on the dollar I would only get about 152514K after paying my lawyer 101676K. That is assuming the lawyer I hire even wins a lump sum.
Suzette Weekley Profile
Suzette Weekley answered
My husband was denied long term disability from his insurance carrier because they said he was not in the class of eligible employees .They stated after reviewing your pay stubs, we were unable to determine that you are in fact, employed on a 30 hour a week basis. Your payment cycles are divided into days worked each cycle. The quantity of days worked does not meet the requirment of the 30 hour per week minimum. However he put in 803 hours in 20 wks which averages out to 40.15 hours per wk. How do we prove this? We have his schedule for most months and his pay stubs put the pay stubs go by days worked not hours. He had to work from store opening to closing on the show days, which is 11 hours on a wk day and 6 hours on a sat., and he also traveled in between the shows?

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