Employer-Provided Long-Term Disability Benefits In Florida: Appealing Denied Claims

Many Jacksonville residents rely on long-term disability (LTD) insurance provided through their employer for protection against injuries or illnesses. These benefits help offset lost income if your condition prevents you from working for a year or longer.

Unfortunately, LTD claims are frequently denied, leaving workers without the benefits they deserve. Our Jacksonville long-term disability lawyer explains common reasons for denied claims and how to protect your rights in filing an appeal.

Employer-Provided LTD Benefits in Florida And Denied Claims

According to the Pew Research Center, over 42 million people in the U.S. suffer long-term disabilities. When this happens due to injuries or illnesses that prevent you from working for a year or more, you may be entitled to benefits through employer-sponsored long-term disability insurance policies.

These policies are regulated under the Employee Retirement Income Security Act (ERISA) and typically cover a percentage of lost wages for an extended period. However, insurers often deny claims for various reasons, including:

• Lack of sufficient medical evidence of your condition;
• Disputing the severity and whether it impacts you on the job;
• Failure to meet the policy’s definition of disability;
• Pre-existing conditions;
• Not submitting your claim within the required timeframe.

If you file an LTD claim and the insurer denies your benefits, you have the right to appeal their decision.

Protect Your Rights When Appealing Denied Long-Term Disability Claims In Florida

Insurers are for-profit businesses and find numerous reasons to avoid paying out on claims. If you get denied benefits, be aware that under ERISA, you typically have 180 days to submit your appeal.

However, it is important not to delay, as it takes time to build a strong case. To protect your rights throughout the process, our Jacksonville long-term disability lawyer recommends the following:

• Carefully review your denial letter: Insurers must provide specific reasons for the denial, along with instructions on how to appeal.
• Request your claim file: Under ERISA, you have the right to obtain all documents the insurer used to deny your claim, including medical reviews and internal notes.
• Obtain additional medical evidence: Work with your doctor to submit updated medical records, diagnostic test results, and statements confirming your disability.
• Seek vocational or expert opinions: Testimony from specialists or vocational experts can strengthen your case by proving how your condition limits your ability to work.
• Avoid social media: Insurers monitor claimants’ social media accounts for evidence they can use against them.
• Consult an experienced LTD lawyer: We can help build a strong case and fight to get the maximum benefits you deserve.

Contact Our Experienced Florida Long-Term Disability Lawyer And Schedule A Consultation Today

Dealing with a denied long-term disability claim in Florida can be overwhelming, but you do not have to go through it alone. At Farrell Law, we have extensive experience handling ERISA disability claims and can help you fight for the benefits you deserve.

To get the trusted legal service you need in appealing denied LTD claims, call or contact our Florida long-term disability lawyer online. Schedule a consultation today in our Orlando or Jacksonville office.

Sources:

pewresearch.org/short-reads/2023/07/24/8-facts-about-americans-with-disabilities/

dol.gov/general/topic/health-plans/erisa#:~:text=The%20Employee%20Retirement%20Income%20Security,for%20individuals%20in%20these%20plans.