Disability Insurance Blog

Will a Template Letter Help You with a Long Term Disability Claim?


Sunday, December 27th, 2015

Frankel & Newfield receives emails all day long from people whose disability insurance claims have been denied. Many of our correspondents understand that disability claims appeals are complex, time-sensitive and important enough to warrant hiring experienced disability insurance lawyers to protect themselves and their families.

We also get questions from men and women who tried to use a template letter to respond to a denied claim. They don’t understand why a disability denial requires more than any other insurance denial, which can sometimes be overturned by calling the insurance company to clarify a simple point that led the claims adjuster to make a mistake or sending a steady stream of medical reports.

The long term disability insurance claim is not like any other insurance denial.

You cannot expect to overturn an appeal by using a form or template letter that you found somewhere online.

We know how easy it is to go on YouTube and find videos that show us how to do everything from fixing a manual transmission for a 1985 Corvette to how to peel and chop a turnip. But disability insurance matters are not that simple.

The Frankel & Newfield website is designed to educate and inform. We have included information about the claims process, long term disability insurance companies, health conditions and occupations. We share our success stories so that visitors to the website can learn more about how other people, facing similar fact patterns, might understand how the process works and what we are able to accomplish.

But we don’t have templates for letters. And there’s a reason for that.

The insurance companies have many different form letters, for every step of the disability claims process, and chances are good that at some point along the line you will see one of those letters. But responding to one form letter with another just won’t work.

If your disability claim has been denied, you need to vigorously defend your claim. You need an experienced team of professionals who understand how the system works, can analyze your situation and give you real information about what your chances are. Call our office today at 877-LTD-CLAIM (877-583-2524) to find out how we can help.