Long-Term Disability Insurance Appeal
If the insurance company has denied your long-term disability claim (or cut off your benefits) they will usually offer the possibility of an internal appeal. That basically means that they will look at your application again, run it through their system, and get back to you within their time limit (usually between 30 and 90 days).
It’s likely that some people have been successful in getting their claim reconsidered in this way but in our experience that is usually not the case. If the claim was denied the first time around and you re-submit the same information, you will probably get the same result.
Your claim wasn’t necessarily denied because you don’t deserve benefits – it may simply be that your claim doesn’t make your case in a clear and complete manner. You may want to provide additional evidence of your disability before resubmitting your claim. If that still doesn’t work you may have to sue the insurance company to obtain your benefits, which tends to give better results.
