I’ve been denied long term disability benefits, and the insurance company sent me a form to complete for my appeal. Should I simply complete this form and send it in?

"Should I complete my insurance company's appeal form after I've been denied long-term disability benefits?"

No! Most long-term disability insurance policies only allow one or two appeals. After these appeals are exhausted, neither you nor your attorney will be able to provide any additional information to get the denial reverse and your benefits re-started. A well-drafted appeal will include updated medical records, medical statements, a vocational discussion, and will be filed only after the insurer’s claim file has been fully reviewed. The form your insurer has sent to you, even if thoroughly completed, will oftentimes fail to include the precise information required to overturn their denial of benefits. If you’ve been denied, you can best protect your benefits by contacting an attorney for assistance.

Our office has handled claims in 29 states involving innumerable conditions.  We have several locations to make meeting as easy as possible and can often schedule in-home meetings for claimants with severe mobility limitations.  You are welcome to contact us to discuss your claim at (610) 343-1296 or jhall@jrhlegal.com.  As always, there is no obligation for an initial call.