Yes, it definitely can be hard to fight a
long term disability insurer, and for a number of reasons. First of all,
there is that annoying "profit motive" thing that drives all insurance
companies. In short, paying fewer claims equals more profit while paying
more Ltd claims equals less profit. Given this, it's not too hard to
understand the natural inclination of an ltd carrier (i.e. to deny
Secondly, unlike the social security disability and ssi programs which are federally mandated and overseen, long term disability companies, because they are private, have more leighweigh to be less transparent in how they decide long term disability claims.
And, thirdly, it can be very hard to fight a denial on an ltd claim for this reason: it can often be diffcult to find an attorney who handles long term disability cases. Of course, not having a long term disability lawyer can mean the equivalent of going into a gunfight without a gun (albeit a hired gun). And, in fact, a long term disability insurer will generally count on the fact that most Ltd claimants will not avail themselves of the services of an Ltd disability lawyer.
Additional Questions and Answers