Can The Long Term Disability Insurance Company Use Vague Terms to Deny My Claim In The DC Area?

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How the Long Term Disability Insurance Company Uses Vague Terms To Deny Your ClaimChanging Words to Deny Long Term Disability Claim in DC

Filing a disability claim is like hitting a moving target. If it's not one thing they are using to deny your claim, it's another.  The insurance company has many tactics they use to deny your claim.  One tactic disability companies use is changing the definition of disability or using a vague definition of disability in your policy and then excluding your condition. By changing a few words, the insurance company uses an alternate, vague definition to of essential terms in the policy to exclude you. It's not right, but it happens all the time.

Examples Of The DC Long Term Disability Insurance Company Using Vague Language To Exclude You  

An example of this in practice is when a denial letter says "a claimant is disabled if they are incapable of performing all of their essential job tasks." However, your policy says "a claimant is disabled if they are incapable of performing at least one of their essential job tasks." So they use a phrase that's not even in your policy to exclude you from benefits. And who would notice that?

The insurance company is hoping you won't notice this switch, and you will be too frustrated to push forward with your appeal. Denying claims at the outset is one of the tactics insurance companies use all the time in order to keep their claim rates down. It takes getting an aggressive long term disability attorney who isn't intimidated by these tactics to move forward with your case. An effective long term disability lawyer will force the insurance company to abide by their actual terms.

How Can You Fight The Insurance Company After They Deny Your Claim Using Vague Terms

This subtle shift in language is why it is essential to consult with an experienced disability attorney about your claim. Vague definitions are one tool the insurance company uses to deny your claim, but there are many more they can use if that doesn't work.  If you want to beat the insurance company at their own game, get an experienced and aggressive long term disability lawyer in the DC area. A long term disability lawyer will know how to get around the sneaky, vague language that the insurance company uses and have some tactics of their own honed from years of experience dealing with insurance companies, physicians, and civil procedure. Interpreting contracts like the terms of your long term disability policy is like speaking a second language to a long term disability lawyer. You need someone like that on your side to help with an appeal.

Contact Our Experienced Long Term Disability Lawyers Today To Have Your Denial Letter Reviewed For Free

If your long term disability claim has been denied, we can help you with your next steps by reviewing your denial letter. There is no cost or obligation to this; we can quickly and easily guide you for your next steps based on what your denial letter says. Most of the time you only have 180 days to appeal so you don't want to delay having your letter reviewed. Get the help you need now at 202-393-3320.

Frank R. Kearney, Attorney-at-Law
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Experienced DC Workers' Comp, Long Term Disability & Accident Lawyer