Long Term Disability Insurance (LTD) is typically part of an employer’s group benefit plan. Unlike STD benefits, LTD benefits are available to employees who are unable to work for a prolonged period due to an injury or an illness, and typically include a monthly income replacement to cover bills and pay for medication.
An insurance company may have various reasons for denying an LTD claim or terminating LTD benefits.
If your LTD claim has been denied or your LTD benefits have been terminated, contact Azimi Law for a free no-obligation consultation.
Typically, denials revolve around the insurer claiming that an employee’s condition is not “severe enough” or that the employee lacks any “objective” injuries that can be supported by “objective” medical information/documentation. In other instances, they may deny the claim based on their presumption that the employee has remained off work due to secondary reasons (work-place issues and concerns) rather than a legitimate disability.