Long-Term Disability Denial Lawyer

A long-term disability denial lawyer helps policyholders fight for the benefits they’re owed after a claim has been wrongfully denied. If you’re facing a claim denial, an experienced attorney may be able to navigate the appeals process on your behalf and take the case to court if needed. See if an experienced long-term disability lawyer can fight for you.

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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
Rae Theodore

Fact-Checked and Legally Reviewed by: Rae Theodore

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Fighting a Claim Denial With the Help of a Long-Term Disability Lawyer

By working with a lawyer to fight a long-term disability (LTD) denial, you can greatly improve your chances of a successful appeal, allowing you to get the benefits you’re owed.

A disability appeal attorney can make the process as stress-free as possible by:

  • Filing all paperwork involved with an appeal
  • Handling communications with your insurance company
  • Keeping you updated as your appeal progresses
  • Providing legal advice and support every step of the way

Compensation from a successful appeal can help you pay for basic living expenses, medical treatments, and more while you’re unable to work.

“Through all the ups and downs, the law firm stood by my side. They guided me through the legal process, explaining everything in a way that made sense to me. With their expertise, I felt like I had a fighting chance.”

– Mechanic with a denied claim who worked with an LTD firm in our network

The long-term disability lawyers LawFirm.com works with have recovered over $131 million for policyholders who had their disability claims unfairly denied.

Get a free case review now to see if they may be able to help you pursue the benefits you paid for and deserve.

Working With Long-Term Disability Lawyers

Disability denial lawyers can handle all aspects of your appeal and fight to get you the benefits you’re owed.

An insurance company may be more likely to reverse your claim denial if they know you have legal representation.

Here’s how a long-term disability denial lawyer can help with an appeal:

  1. Provide a free case review: A free case review lets you know whether a long-term disability denial lawyer may be able to step in and help with your case.
  2. Collect evidence: A disability denial lawyer can gather medical records, test results, and other evidence proving you’re unable to work.
  3. File an appeal: Long-term disability attorneys are well-versed in the appeals process and can ensure that an appeal and all of the documents needed to support your LTD claim are filed before any deadlines.
  4. Represent a client in court: A disability appeal attorney may be able to argue your case in court and present evidence as to why your claim was wrongfully denied.
Did you know?

A denied disability claim may be considered bad faith, meaning the insurance company failed to uphold its legal duty to deal fairly with the policyholder. In these cases, policyholders may be entitled to additional compensation for the insurer’s reckless behavior.

A long-term disability denial lawyer will use their knowledge of disability law and years of experience in getting denials overturned to secure the best results possible for policyholders facing an unfair claim denial.

Results Secured by Long-Term Disability Denial Lawyers

A long-term disability denial lawyer will build a strong appeal and fight to get you the benefits you deserve.

LawFirm.com works with long-term disability attorneys who’ve recovered over $131 million for clients wrongfully denied the benefits they paid for.

Results secured by the disability appeal lawyers in our network include:

  • $1.36 million to a New York client with fibromyalgia and chronic fatigue syndrome
  • $800,000 in California for a denied Unum long-term disability claim
  • $450,000 for an Alabama client denied disability benefits
  • $400,000 in Ohio for a long-term disability insurance case
  • $395,000 to a Georgia policyholder denied long-term disability benefits
  • $1.15 million for a California woman with a denied disability claim

Results may vary depending on the amount of your disability coverage, occupation, and strength of evidence in your case.

Insurance companies often low-ball policyholders to get out of paying the money they owe. Your long-term disability denial lawyer will ensure that doesn’t happen by fighting for the compensation you deserve.

If your long-term disability claim was denied, you don’t have to take no for an answer. Call (888) 726-9160 right now or chat with a case manager — for free.

When to Contact a Long-Term Disability Attorney

A long-term disability lawyer can help policyholders navigate the appeals process if a valid claim has been denied.

You only have a limited amount of time to file an appeal, so it’s important to contact a lawyer as soon as possible after being notified of a claim denial.

Tip: As soon as you receive a denial letter from your insurance carrier, consult with a long-term disability denial lawyer. The sooner you involve an attorney, the quicker they can start reviewing your case, gathering evidence, and planning a strategy to heighten the chances of a successful appeal.

In most cases, people have 180 days to respond to a denial letter, but your deadline may be different depending on the terms of your long-term disability insurance policy.

If you’re facing an appeal or have concerns about how your insurance provider is handling your claim, we may be able to help. Learn more by getting a free case review.

Qualities to Look for in Long-Term Disability Attorneys

If you’re unable to work because of an illness or injury, you may be worried about how you’re going to pay your bills or afford medical treatments. For that reason, finding a skilled long-term disability lawyer to overturn an unfair claim denial is crucial.

Here are some traits to look for in a long-term disability denial lawyer:

  • Experience: A long-term disability lawyer should have extensive experience with disability insurance claims, including navigating the claims process and fighting unfair denials in court.
  • National reach: Attorneys at national long-term disability law firms are able to take cases in all 50 states. They also have access to resources like support staff and databases of information that can help them reverse a claim denial.
  • No upfront fees: Some long-term disability lawyers do not charge any upfront or hourly fee, allowing clients to get the legal help they need without any financial risk.
  • Successful track record: Knowing a lawyer’s success record is essential. Read client testimonials posted online and ask any lawyers that you interview about the results they’ve achieved in long-term disability cases similar to yours.

Each long-term disability denial lawyer that LawFirm.com works with has all of these qualities and more.

Get Help From a Disability Denial Attorney

Finding the right long-term disability denial lawyer to help with your appeal is a crucial step in securing the benefits you deserve.

The long-term disability lawyers we work with have secured over $131 million for policyholders with wrongfully denied claims.

These attorneys never charge any upfront or out-of-pocket fees, and they can take cases in all 50 states.

Call (888) 726-9160 right now or get a free case review to take the first step toward recovering the disability insurance benefits you’re owed.

Disability Appeal Lawyers FAQs

What percentage of long-term disability claims are denied?

About 67% of LTD claims are denied, according to the U.S. Social Security Administration.

A Social Security appeal attorney can help policyholders facing an unfair claim denial secure the benefits they’re owed.

How much do disability appeal lawyers charge?

LawFirm.com works with long-term disability lawyers who never charge any upfront costs or hourly fees. 

Instead, they get paid by taking a percentage of any money they recover for clients at the end of a case. If they don’t secure any compensation, the client pays nothing.

Call (888) 726-9160 now to see if we can connect you with a top disability appeal lawyer.

What is a letter of appeal for long-term disability?

A long-term disability appeal letter is a letter sent to a disability insurance company requesting an appeal of a claim denial.

To be successful, the letter must explain why the insurer should reconsider its decision and include documentation supporting your claim.

A long-term disability denial lawyer can send a letter of appeal on behalf of a policyholder and fight for fair compensation.

Why do most people get denied for disability?

Long-term disability insurance claims can be denied for many reasons, including:

  • Errors in the application or supporting documents
  • Failure to meet the policy’s definition of disability
  • Lack of medical evidence establishing a disabling condition
  • Missed deadlines for filing claims
  • Pre-existing medical conditions or policy exclusions
  • Video footage countering a disability claim

In the event of an unfair claim denial, a long-term disability denial lawyer may be able to file an appeal on your behalf to fight for any LTD benefits you may be owed.

How is disability back pay calculated?

Long-term disability back pay is typically calculated based on when your disability began and your benefits were approved, minus a waiting period provided for in most insurance policies.

A disability insurance lawyer can tell you how much back pay you may be able to expect in your case and pursue the money you deserve.

How can I find the best long-term disability lawyer near me?

LawFirm.com works with some of the top long-term disability lawyers in the country, and they can help clients in all 50 states.

These lawyers never charge any upfront fees and have recovered over $131 million for policyholders wrongfully denied disability benefits.

Get a free case review right now to see if we can connect you with the attorneys in our network.

Rae Theodore

Fact-Checked and Legally Reviewed by: Rae Theodore

Rae Theodore is a writer and editor with more than 30 years of experience in legal publishing. She earned a bachelor’s degree in English from Pennsylvania State University.

  1. American Bar Association. “Alternative Fee Arrangements.” Retrieved September 23, 2024, from https://www.americanbar.org/groups/delivery_legal_services/initiatives_awards/alternative_fees/
  2. American Bar Association. (2020, December 3). “Fees and Expenses.” Retrieved September 23, 2024, from https://www.americanbar.org/groups/legal_services/milvets/aba_home_front/information_center/working_with_lawyer/fees_and_expenses/
  3. NerdWallet. (2023, August 7). “Disability Lawyers: What They Do and How Much They Cost.” Retrieved September 23, 2024, from https://www.nerdwallet.com/article/investing/social-security/disability-lawyer#how-much-does-a-disability-lawyer-cost
  4. Social Security Administration. “Disability Benefits | How You Qualify.” Retrieved September 23, 2024, from https://www.ssa.gov/benefits/disability/qualify.html
  5. Social Security Administration. “Your Right to Representation.” Retrieved September 23, 2024, from https://www.ssa.gov/pubs/EN-05-10075.pdf
  6. Sokolove Law. (2024, September 3). “Long-Term Disability Denial Lawyer.” Retrieved September 23, 2024, from https://www.sokolovelaw.com/disability-insurance-denial/long-term-disability-denial/lawyers/
  7. U.S. Equal Employment Opportunity Commission. “Disability Discrimination and Employment Decisions.” Retrieved September 23, 2024, from https://www.eeoc.gov/disability-discrimination-and-employment-decisions
  8. U.S. Equal Employment Opportunity Commission. ”Laws and Regulations Related to Disability Discrimination.” Retrieved September 23, 2024, from https://www.eeoc.gov/eeoc-disability-related-resources/laws-and-regulations-related-disability-discrimination
  9. USA Today. (2023, November 9). “What is long-term disability insurance and how does it work?” Retrieved September 23, 2024, from https://www.usatoday.com/money/blueprint/insurance/long-term-disability-insurance/
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