Common Reasons Long-Term Disability Claims Get Denied

After filing a long-term disability claim even when you’re truly unable to work, your claim might still be denied. This can feel frustrating and unfair. A long term disability lawyer Hamilton can help explain why this happens and what steps to take next.

Not Enough Medical Proof

One of the top reasons claims get denied is lack of strong medical evidence. The insurance company needs to clearly see how your condition stops you from working. If your doctor’s notes are short, unclear, or missing details, your claim may be rejected. It’s not enough to say you’re in pain, your medical records must show how the condition affects your ability to do your job every day.

Missing Deadlines or Paperwork

Filing a claim means dealing with many forms and strict deadlines. If you miss a deadline or forget to send a certain document, the insurance company might close your case. Sometimes people don’t even know they missed something until it’s too late. A long term disability lawyer can help keep everything on track and catch these problems early.

The Insurance Company Says You Can Still Work

Even if your doctor agrees that you can’t do your job, the insurance company may say otherwise. They may believe you can still do a different kind of work, even if it pays less or doesn’t match your skills. They often hire people to review your case without ever meeting you. These opinions can lead to unfair decisions.

Claim Doesn’t Match the Policy Rules

Each insurance policy has its own rules about what counts as “disabled.” Some plans cover you only if you can’t do your exact job. Others only pay if you can’t do any job at all. If your condition doesn’t fit their terms exactly, your claim may be denied, even if your situation is serious.

They Think You’re Not Following Treatment

If you don’t follow your doctor’s advice, like skipping appointments or refusing certain treatments, the insurance company might say you’re not doing your part to get better. Even if you have a good reason, it can still hurt your case. A lawyer can explain your side and help fix this if needed.

If your claim has been denied, don’t give up. A long term disability lawyer can review your case, find out what went wrong, and help you fight for the benefits you deserve.