Long-term disability claims can be denied due to several reasons, often pertaining to the specific requirements of the insurance policy or the claimant's circumstances. Here are some common reasons for denial based on web search results:

​

• Insufficient Medical Evidence: If there isn't enough medical evidence to support your disability claim, it might be denied. This includes not having enough medical records, tests, or doctor's notes to substantiate your disability.

​

• Failure to Meet the Definition of Disability: The claim might be denied if your medical condition or injury doesn't meet the insurance policy's definition of “disability”.

​

• Inconsistent Evidence: Inconsistencies between your claim and the medical evidence, such as discrepancies in your reported symptoms and what is noted in your medical records, can lead to the denial of your claim.

​

• Lack of Timely Claim Notification and Documentation: If you fail to notify your insurer about your disability in a timely manner or provide necessary documentation, your claim could be denied.

​

• Changes in Medical or Functional Status: If there are changes in your medical or functional status that aren't consistent with a long-term disability, your claim may be denied.

​

• Health Status of the Applicant: The applicant's health condition plays a crucial role, and people in less-than-average health or those with chronic conditions might face denial.

​

Policy-Specific Reasons: Depending on the specifics of your insurance policy, there might be other reasons for denial. For example, your long-term disability benefits may stop after two years based on the type of disabling condition you have.

​

Remember, it's essential to thoroughly understand the terms of your insurance policy and consult with a legal professional if needed when filing a long-term disability claim to increase the chances of approval.

ERISA Appeal Attorney Services