Disability Benefits and Your Rights
Have your disability benefits been cut off or denied? If so, you may have recourse available to you.
If you have been unfairly denied long term disability benefits or they have been wrongfully terminated, you may consider suing the insurance company, plan administrator, or broker to appeal your benefits.
There are a variety of factors that can lead to benefit termination or denial, ranging from simple to complex. If your benefits have been terminated because a form is missing or some information has not been provided, you should contact the insurance company immediately and try to get the paperwork to them as soon as possible.
If your benefits are being terminated because the insurance provider does not believe you are disabled, talk to your doctor. If the doctor believes you\’re disabled according to the required assessment, have them express their opinion in writing to the insurance provider.
In some cases, even though your doctor confirms you are disabled, the insurance provider will still deny or cancel your benefits. You may need to take legal action in this situation to reinstate your LTD benefits.
In the case that you need to take legal action against your insurance company, you have two possible actions you can take — an internal appeal or lawsuit.
Contact our skilled team at Hilborn and Konduros Lawyers in Cambridge to find out what your best course of action will be to have your long term disability benefits reinstated.
