Guardian Long-Term Disability Denial

If your long-term disability claim was denied by Guardian, you are not alone. The insurance company has a history of wrongfully denying claims, leaving many policyholders without the benefits they deserve. If you believe Guardian wrongfully denied your claim, a disability attorney may be able to help you file an appeal and fight for justice on your behalf.

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Why Take Legal Action?

By challenging a wrongful disability insurance denial, you can pursue the benefits and justice you deserve.

Results Secured

  • $1.36 million for a New York man whose Aetna long-term disability claim and appeal were denied
  • $1.21 million for a California worker denied disability benefits
  • $975,000 for a physician who lost his hearing and was denied long-term disability benefits by Unum
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About Guardian Denied Disability Claims

Guardian is one of the largest insurance companies in the United States, but the company is also known for wrongfully denying long-term disability claims

Long-term disability (LTD) benefits from Guardian are meant to compensate policyholders who are unable to work for an extended period of time due to an injury or illness.

If an insurance company intentionally denies a valid claim, it’s considered to be acting in bad faith.

Unfortunately, many insurance companies often act in their own best interest in order to protect their profits. However, policyholders have the right to file an appeal if their claim was denied.

An experienced Guardian insurance lawyer may be able to file a strong appeal or a lawsuit to pursue compensation that can help pay for medical bills, everyday living expenses, and more.

You don’t have to accept a long-term disability claim denial. Find out if we may be able to help you get the benefits you deserve during a free case review.

What to Do If Your Guardian Disability Claim Was Denied

Guardian is a billion-dollar company that has access to extensive resources. They may do everything in their power to avoid paying your LTD benefits, but an experienced attorney can level the playing field and advocate on your behalf.

Steps to appeal a Guardian long-term disability denial may include:

  • File an appeal after receiving a claim denial from Guardian
  • Request a second appeal, if Guardian denies your initial appeal
  • Submit a complaint to your state’s Department of Insurance
  • File a Guardian lawsuit and pursue a settlement
  • Go to court and pursue a verdict, if necessary

Your lawyer can handle all of these steps for you, so you can focus on your health during this difficult time. It’s important to contact an LTD lawyer as soon as possible, as you only have a limited amount of time to appeal an insurance company’s decision.

Contact our disability denial case managers at (888) 726-9160 now to find out how we may be able to help you fight back against Guardian’s denial.

Steps to Filing a Guardian Long-Term Disability Appeal

If your Guardian long-term disability claim was denied, an attorney may be able to prepare and file an appeal for you. They may also be able to file a Guardian lawsuit if an appeal is wrongfully denied.

The long-term disability lawyers that we work with have secured over $127 million for policyholders across the country. They can guide you through filing a Guardian appeal and make the process as stress-free as possible.

1. Get a Free Case Review

Our team can provide you with a free case review right now to determine if you may be eligible to get help from a disability denial lawyer.

The lawyers in our network don’t charge any upfront or hourly fees — they only get paid if they successfully secure compensation for you.

2. Gather Evidence

Your legal team will collect compelling evidence to show you meet the qualifications for a long-term disability claim.

This may include:

  • Insurance policy documents
  • Employment records
  • Medical records
  • Physician statements

3. Appeal a Guardian LTD Denial

A long-term disability lawyer will complete all necessary paperwork to ensure your LTD appeal meets all of Guardian’s requirements. They’ll make sure your appeal is filed before any deadlines.

Your lawyer will also provide you with regular updates on the case as it progresses through the appeals process.

4. File a Guardian Disability Lawsuit

If Guardian wrongfully denies your appeals, you may still be able to get the benefits you’re entitled to through a long-term disability lawsuit.

Your attorney will try to negotiate a settlement with the lawyers representing Guardian to secure compensation for you as quickly as possible.

If they are not able to agree on a settlement, your case may proceed to a trial — and your lawyer will be prepared to fight on your behalf in court.

Get Help With Your Guardian Long-Term Disability Appeal

If you’re facing a Guardian long-term disability denial, don’t give up hope. You may still have options to secure the benefits you deserve.

LawFirm.com works with top disability appeal lawyers who have secured over $127 million on behalf of those who were unjustly denied benefits.

Our legal partners:

  • Can handle cases in all 50 states
  • Never charge any upfront fees
  • Understand claim denial tactics used by Guardian

Start your journey toward justice today. Call (888) 726-9160 now or get a free case review to see if a long-term disability lawyer can help you fight back against Guardian’s claim denial.

Guardian Insurance Denial FAQs

What percentage of long-term disability claims are denied?

Over 60% of disability claims are denied, according to the Social Security Administration. However, these denials may be overturned through an appeal or a lawsuit.

How do you appeal a long-term disability denial from Guardian?

When you receive a denial letter from Guardian, your first step should be to connect with a long-term disability lawyer. An attorney can gather the evidence needed to file a strong appeal that highlights why your claim was wrongfully denied.

Why would Guardian deny a disability claim?

There are several reasons why Guardian would issue a long-term disability denial.

These include:

  • Failure to receive proper medical attention for an injury or illness
  • The medical condition is not covered under the LTD insurance policy
  • Problems with paperwork
  • Submitting a claim after the policy deadline
  • Undisclosed pre-existing health condition

While some reasons for a claim denial are valid, others may be considered an act of bad faith.

How long does it take for Guardian to make a decision on long-term disability?

Insurance companies like Guardian generally have 45 days to make a decision on an initial long-term disability claim. However, they may be able to request extensions if they need more time.

The details of this timeframe should be outlined in your policy documents.

If you’ve received a claim denial from Guardian, you don’t have to take no for an answer. Find out if a Guardian long-term disability lawyer can help with your appeal during a free case review.

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  1. Commonwealth of Massachusetts Office of Consumer Affairs and Business Regulation Division of Insurance. “Report of Examination of the Berkshire Insurance Company of America.” Retrieved from: https://www.mass.gov/doc/berkshire-life-insurance-company-of-america-2020-financial-examination/download#:~:text=On%20July%201%2C%202001%2C%20Berkshire,Guardian%20was%20the%20surviving%20entity. Accessed on November 22, 2023.
  2. Guardian. “How does a disability insurance policy work?” Retrieved from: https://www.guardianlife.com/disability-insurance/how-disability-insurance-works. Accessed on November 22, 2023.
  3. Guardian. “Individual disability income insurance.” Retrieved from: https://www.guardianlife.com/disability-insurance/individual. Accessed on November 22, 2023.
  4. Social Security Administration. “Annual Statistical Report on the Social Security Disability Insurance Program, 2020.” Retrieved from: https://www.ssa.gov/policy/docs/statcomps/di_asr/2020/sect04.html. Accessed on November 22, 2023.
  5. Social Security Administration. “Disability Benefits.“ Retrieved from: https://www.ssa.gov/benefits/disability/. Accessed on November 22, 2023.
  6. Sokolove Law. “Guardian Long-Term Disability Insurance Denial.” Retrieved from: https://www.sokolovelaw.com/disability-insurance-denial/long-term-disability-denial/insurance-providers/guardian/. Accessed on November 22, 2023.
  7. U.S. Department of Labor. “ERISA.” Retrieved from: https://www.dol.gov/general/topic/health-plans/erisa. Accessed on November 22, 2023..
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