“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.