Understanding Your Rights When Filing a Long-Term Disability Claim

When disability prevents you from working, your long‑term disability (LTD) insurance benefits are meant to provide financial stability during an already challenging time. Unfortunately, many claimants encounter obstacles when seeking the benefits they are entitled to—delays, denials, or requests for excessive documentation. At the Law Office of Justin C. Frankel, P.C., we focus exclusively on advocating for individuals facing these hurdles and ensuring that insurance companies honor their obligations.

Why LTD Claims Are Often Denied

Insurance carriers frequently deny legitimate claims for reasons that may seem unclear or unfair. Common issues include:

• Insufficient medical evidence
  Insurers may argue that your medical records do not prove the severity of your condition or its impact on your ability to work.
• Interpretation of policy language
  Many LTD policies contain complex terms, such as “own occupation” vs. “any occupation,” which insurers may use to narrow eligibility.
• Surveillance and social media monitoring
  Carriers sometimes rely on surveillance or out‑of‑context online activity to question your credibility.
• Reliance on in-house medical “reviews”
  Some companies use internal doctors to minimize or dismiss medical findings from your treating physicians.

These tactics can overwhelm claimants who are already coping with serious health issues.

How Our Firm Supports Claimants

 At the Law Office of Justin C. Frankel, P.C., we guide clients through every stage of the LTD process—from the initial application to appeals and litigation. Our approach focuses on:

• Building strong evidentiary records
  We collaborate closely with your physicians to develop clear, comprehensive medical documentation that supports your limitations.
• Correctly interpreting policy language
  Understanding how your specific policy defines disability is critical, and we ensure those definitions are applied fairly.
• Challenging biased reviews
  If the insurer relies on flawed medical assessments, we identify inconsistencies and respond with substantive counter‑evidence.
• Protecting your rights throughout the appeal
  Deadlines in LTD cases are strict. We ensure every step is handled promptly and thoroughly to preserve your legal rights.

Why Legal Guidance Matters

LTD claims—especially under ERISA‑governed policies—follow strict rules that often favor insurance companies. Once a claim is denied, the administrative appeal is the claimant’s only opportunity to introduce evidence. Having experienced legal counsel at this stage can significantly strengthen your case and improve your chances of securing the benefits you deserve.

We Are Here to Help

 If your LTD claim has been denied or delayed, you do not have to navigate the process alone. The Law Office of Justin C. Frankel, P.C. is dedicated to protecting claimants and ensuring they are treated fairly by their insurers. Our firm stands firmly on the side of individuals—not insurance companies.

Contact us today to discuss your claim and learn how we can help you move forward.

Law Office of Justin C. Frankel, PC

📞 Call us today for a consultation

T: 888.583.4959

T: 516.222-1600

🌐 Visit: www.jfrankellaw.com

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