You’re facing an unfair insurance denial, and that can feel overwhelming—but you don’t have to face it alone.

We help people navigate long-term disability insurance claims and denials. A denied claim means the insurance company has refused your request for coverage or benefits.

Long-term disability claims can be denied for several reasons, such as:

• Insufficient Medical Evidence – The insurance company may need detailed medical documents showing how serious your condition is and what the impact has been on your life. Without sufficient evidence, your claim may be denied.
• Policy Exclusions – Some conditions or disabilities might not be covered by your policy, such as pre-existing conditions or specific exclusions mentioned in the policy.
• Non-Compliance with Policy Terms – If you don’t follow the terms of the policy, like sticking to prescribed treatments or providing updates when asked, your claim might be denied.
• Lack of Objective Evidence – The insurance company might want clear evidence of your disability, such as test results or assessments. Complaints alone may not be enough.
• Dispute over Disability Definition – Insurance policies have specific definitions of “disability,” and if your condition doesn’t meet these definitions, your claim may be denied.
• Failure to Meet Waiting Periods –  Some policies have waiting periods before benefits start. Claims made before this period is over can be denied.

If your claim for long-term disability benefits has been denied, our experienced team is here to support you. We offer expert guidance on appealing denials, understanding your policy, and securing the benefits you deserve.

This insurance covers damage to your property and belongings from fires or floods. It typically helps pay for repairs, replacing personal items, and sometimes living expenses if you need to temporarily leave your home.

Common reasons claims are denied:

• Lack of Coverage for Specific Events – Fire and flood policies have limits on what they cover. Some types of water damage or fire-related losses might not be included, for example.
• Policy Exclusions and Limits – Damage caused by certain fires or floods might be excluded from your policy, or the damage might exceed your coverage limits.
• Negligence or Maintenance Problems – If the damage is found to be a result of poor maintenance or negligence, your claim could be denied.
• Incomplete Documentation – Without enough evidence or in case of missing paperwork, claims may be denied. It’s important to provide full documentation and report the loss promptly.