Your Long Term Disability insurance is supposed to replace vital income if you can't work because of a disabling condition. You paid your premiums, and now you have a disability that prevents you from working for a living. You deserve to receive disability benefits.
Unfortunately, LTD insurance companies don't always hold up its end of the bargain. Insurance companies make money by collecting paying out less money than they take in. Pretty simple business model. Unfortunately, this means they will deny perfectly valid claims such as yours.
They will pull from the grab bag of dirty tricks, and deny your valid application for disability benefits. They will do whatever they can to deny your claim for benefits. Once your claim for benefits is denied, a bunch of deadlines and procedures become effective. That's why it is so important to ensure your appeal for disability benefits is handled correctly.
If you miss a deadline, or fail to include necessary documentation during your appeal, you risk losing your benefits outright. The odds are stacked against you. The insurance companies have teams of lawyers, training staff and support. They are professionals, looking to deny your claim if possible. They have policies, procedures and systems in order to process these claims and deny them if possible.
Mr. Dang is a Disability Attorney representing claimants throughout California, including San Diego, Orange County, Los Angeles, San Francisco, and Sacramento.