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Why were my long term disability benefits denied?

Friday, July 7th, 2017

This is the question we hear the most from people who contact Frankel & Newfield about their long term disability insurance claim. They can’t imagine how anyone, even the coldest-hearted insurance claims adjuster, could possibly look at their medical records and not understand why they can’t work. People call us when they are frustrated and don’t know what their next move is.

At Frankel & Newfield, we understand—we have done this every day for many years, so we know why the disability insurance company has denied your claim, or why they are looking for more information, even when it feels like they are conducting a very personal and overly-detailed look into every aspect of your life.

After all, your short term disability claims were paid. You waited the required amount of time, filed all the right paperwork, and fully expected to make a smooth transition to long term disability.

Here’s what you need to know:

You are not alone. There are thousands of men and women, from all walks of life, who are genuinely disabled and have had their claims denied. Certain times of the year, summer in particular, are more stressful for those whose disability claim has been denied because they are surrounded by people who are taking vacations and having fun. It seems unfair that while the rest of the world is moving along, you are not only too sick to work, but you have to battle an insurance company that seems to want to make your situation worse.

Time is not on your side. There are strict deadlines in long term disability insurance cases, especially when the disability insurance policy is part of your employee benefits. Once the deadlines are missed, you may have permanently lost the ability to appeal a denial. Call our office today at 877-LTD-CLAIM (877-583-2524) to learn how we might be able to help you.

You can fight back, and you don’t have to do it alone. The team at Frankel & Newfield is made up of attorneys and paralegals with extensive experience in the strategies used by the insurance companies to deny claims. The partners are invited to speak at conferences attended by insurance company in-house counsel and attorneys from defense firms working for the insurance companies. They know who we are and how we fight for our clients, in negotiations, in the appeals process and, if necessary, in the courtroom.

This is not a do-it-yourself insurance claim. The stakes are higher, both for you and for the insurance company. A homeowner’s insurance claim or an auto accident claim is different. They are usually one-time incidents, or the cost is at least relatively contained. The disability insurance company is looking at the cost of your claim, over the life of your policy. If you are a young person, even a small monthly benefit will add up over time. If you are a high-income earner, even if you are 50 years old, the cost to the insurance company will be significant.

If your claim has been denied and you’re not sure what your next step is, call our office at 877-LTD-CLAIM (877-583-2524).

Justin C Frankel

Written By:

Justin C. Frankel - Disability Insurance Attorney

Justin Frankel is a founding partner of the disability insurance law firm Frankel & Newfield and is a highly skilled litigator and advocate. He has published numerous articles on the challenges facing clients with private or individual disability insurance policies and those who own group or ERISA disability insurance policies.

Learn more about Justin | See Justin’s Publications



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Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


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This is about a Social Security Disability claim.

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