Archive for March 2009

Reasons Claims are Denied #2 – No Restrictions or Limitations

A common reason that a disability insurance company will cite to deny a long-term disability claim is that there are no “restrictions or limitations”. Essentially, the disability case manager has reached the conclusion that the medical condition the claimant is suffering from and the symptoms the claimant is experiencing are not severe enough that they […]

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Definition of Disability

The definition of disability is the crucial backbone of every disability insurance policy.  Both group long-term disability (LTD) policies and individual policies contain a definition or a test which a claimant must meet in order to be eligible for benefits. The definition can take many forms, but the fundamental elements can be expressed as follows: […]

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Reasons Claims are Denied #1 – “No Objective Evidence”

Disability insurance companies often deny legitimate disability claims on grounds that there is “no objective evidence of disability”. This reason can be expressed in several alternate ways. For example, that symptoms are “self-reported” or “subjective in nature”.  However couched, the fundamental message is that the insurance company does not accept you are experiencing severe pain […]

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