Long-Term Disability Insurance Myths

Medical conditions or unexpected accidents often prevent us from working for long periods of time. In these circumstances, many of us rely on long-term disability insurance. However, collecting benefits from these insurance policies can be challenging. Sometimes insurers deny claims. Other times they place a limitation on the time period that one can receive benefits. If you or a loved one is currently battling an insurance company or you are about to start the application process, it is important that you know the truth regarding the following myths:

“When my long-term disability payments stop, I have no further options.”

Although it is a deplorable practice, many insurance companies discontinue benefit payments in the hopes that the recipient simply walks away without challenging their decision. In many cases, documentation from a medical professional is all that you need to have your benefits reinstated.

“I can handle a long-term disability dispute on my own.”

Insurance companies often employ complicated legal jargon and other tricks to confuse claimants. Having someone experienced with both their processes and the legal system can make the difference between your claim being accepted or denied. You cannot put a price on knowledge and experience.

“The insurance company claims my paperwork is insufficient, so I have no recourse.”

Much like the tactics employed in the first myth, insurance companies may suggest that your medical support is not enough to qualify, hoping that you will accept this statement and not push further. As long as you have a supportive doctor and legal representation, your claim is likely to be accepted after appeal.

“If I don’t attempt to find a job, the insurer can deny my claim or cease payment of my benefits.”

Insurance companies tend to pressure injured people back to work faster than recommended in an effort to reduce their payments. It is important to secure all documentation related to your medical situation.

“Long-term disability lawyers are expensive and I’m already low on cash.”

Attorneys that specialize in long-term disability cases understand that you do not have a lot of money to spare. At Beedem Law, we offer FREE consultations and we do not collect a fee if you did not receive benefits through our efforts.


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