Why Long Term Disability Gets Denied

Have you gotten the letter: "long term disability denied" and wondered what this meant? When this occurs, it can be frustrating to those individuals who were hoping to have a solution to their financial difficulties. Several reasons exist for this denial of disability claims, including missing or incomplete information. Many people can still obtain disability by rectifying any information possible.

Potential Reasons why Long Term Disability Is Denied

The following are some of the most common reasons organizations deny long term disability. Contact the organization directly to inquire about more specific information for your claim.

• Objective Findings: The reviewer of your application reviews your medical evidence and determines if there is evidence of your disability claims to substantiate the claim. If he or she does not believe the pain is disabling, the individual rules there is a lack of objective findings.
• Pre Existing Conditions Exist: If a disability insurance policy specifically contains a clause that exclude from coverage any medical condition that you were previously treated for within a set number of months prior to the coverage start date, it may deny future claims if you seek disability for this condition.
• Lack of Disability from Occupation:  Another reason long term disability gets denied is that the claims reviewer is looking at the job you do in general terms. The reviewer may find that you can perform some job-related tasks and denies your claim. In this case, generalized information on job duties can cause your claim's rejection.
• Not Under Doctor Care: Another of the common reasons for a denial is the lack of regular care by a physician. Most disability insurance policies require that you are under the regular care of a doctor. There can be some dispute over what "regular" care is, but generally, you need to see your doctor on a regular basis.
• Lack of Appropriate Treatment: Some disability insurance policies add stipulations that you must obtain an appropriate medical treatment without defining what that appropriate treatment is. In this case, many claims have gone to court due to the insurance company's attempt to dictate medical care.

Long term disability denied is not a final answer. Often times, you can appeal such decisions by providing other information. In addition, you can take the case to court and allow the courts to determine if the determination of the disability claim by the reviewer was fair to you.

Talk to a Disability Lawyer if your having difficulties getting disability payments.