Own Occupation Denial

Appeal an Own Occupation LTD Claim Denial

While it can be frustrating to receive notification of a UNUM claims denial, or a claims denial of any sort, it is important to note that you have the right to appeal your insurance company’s decision. Through internal appeals directly to your insurer, you can have your own occupation denial claim reexamined after adjusting your documentation and providing additional information they may require. If your insurance company still refuses to pay your claim even after your qualification for benefits has been clearly demonstrated, you have the right to have your case reviewed by a federal judge under an ERISA law suit.

At the law firm of Burke Harvey, LLC, we understand the anger you likely feel after you have been denied. We also understand how difficult it can be to have a claim successfully approved, especially for individuals who own their own businesses or are in occupations in which they must fund their own long term disability insurance program. With more than 50 years of combined experience, our long term disability lawyers have the insight and skill needed to help you understand your rights after a claim denial and the options you have moving forward when your claim has been denied.

Own Occupation LTD Claim Lawyer: Don’t Take No for an Answer

Many insurance companies will immediately deny an initial claim for LTD benefits simply because they do not want to pay; they feel that they can make you give up your pursuit of benefits by repeatedly denying your claims.

You’ve faithfully paid your premiums, and deserve to be taken care of by the insurance companies when you need assistance – DO NOT LET THEM TURN YOU AWAY. Our staff has the skill and knowledge needed to help you file an appeal in a manner that offers you a strong chance of obtaining benefits. After all, when you have clearly demonstrated your qualification for benefits and have addressed every concern your carrier may have, they legally cannot deny your benefits.

Our staff will help you gather any additional information requested by the insurance provider and will work closely with your doctor and accountant to make sure that all pertinent documentation has been gathered. We will help you dot every “I” and cross every “T”, leaving the insurance company little recourse but to approve your claim.

Should your insurer still refuse to pay your claim even after your qualification has been clearly demonstrated, we will help you file a lawsuit under the ERISA act, a set of laws that prohibits insurance companies from taking advantage of disabled or injured individuals. We will carefully walk you through the ERISA suit process and organize your case in the best manner possible to increase your chances of obtaining a favorable judgment.

Contact Us for the Support You Deserve

When you don’t have an employer or human resources department to turn to for advice, filing a LTD appeal can be very challenging; having our staff on your side can make the process much more manageable, and may dramatically improve your chance of obtaining benefits.

Contact our office to schedule a free consultation to discuss your concerns with one of our experienced denied disability claim attorneys.