A long-term disability (LTD) claim denial can leave you feeling powerless and overwhelmed. You’ve worked hard and paid into your policy, expecting it to provide vital support during times of need. Yet, when the unexpected happens, and you’re unable to work due to illness or injury, being denied the benefits you’re entitled to can bring emotional and financial challenges that are hard to bear.

At Roberts Disability Law, P.C., we understand how devastating it is to hear “no” when you need help the most. We’re here to tell you that a denial isn’t the end of the road, and you don’t have to face this fight alone. If you’re navigating a long-term disability claim denial in San Francisco, our team will be your ally and advocate.

Understanding LTD Claim Denials

Insurance companies are known to deny LTD claims for various reasons. Understanding why your claim was rejected is the first step toward challenging the decision. Common reasons for denials include:

• Insufficient Medical Evidence

Your insurer may argue that the documentation submitted doesn’t adequately prove the severity of your condition or its impact on your ability to work.

• Missed Deadlines

Strict timeframes apply to filing claims and appeals. Missing these deadlines often results in a denial, regardless of the validity of your claim.

• Policy Exclusions

Insurance policies often contain fine print that restricts coverage for certain conditions or pre-existing illnesses.

• Discrepancies or Mistakes

Any inconsistencies in your application or errors in paperwork can give insurers a reason to deny your claim.

These reasons can feel daunting to overcome, but they don’t have to be a roadblock. That’s where we come in.

How Roberts Disability Law, P.C. Can Help

When facing an LTD claim denial, you need a partner who combines deep knowledge of disability law with unwavering dedication to your case. At Roberts Disability Law, P.C., we have extensive experience navigating the complexities of long-term disability claims and appeals.

Our founding attorney, Michelle Roberts, has made it her mission to fight for individuals who are up against powerful insurance companies. Her passion for helping others ties deeply to her personal story of growing up watching her father, a disabled veteran, battle to support his family despite debilitating health challenges. This commitment to justice and fairness drives everything we do.

Here’s how we can support you during this difficult time:

1. Personalized Strategy

Every case is unique, and we take the time to understand your specific situation. We’ll work with your healthcare providers to build the robust medical evidence needed to strengthen your claim.

2. Unpacking Policy Language

Insurance policies can be intricate and full of hidden clauses. We’ll comb through your coverage details to address exclusions and ensure your rights are protected.

3. Guiding the Appeals Process

Navigating an LTD claim appeal involves mountains of paperwork and strict deadlines. We handle the legal hurdles so you can focus on your health and recovery.

4. Advocating Relentlessly

With a history of successful outcomes, we know what it takes to stand up to insurance companies and secure the benefits you deserve

Take the First Step Toward Justice

We understand how frustrating it is to fight an insurance denial on top of managing a health condition. You might feel like the odds are stacked against you, but with Roberts Disability Law, P.C., on your side, you don’t have to feel alone. We’ll be in your corner, guiding you through every step of the appeals process and fighting tirelessly for the benefits you’re entitled to.

If you’re in San Francisco and have had your long-term disability claim denied, don’t wait to act. Contact us today for a consultation.