If my long term disability insurance company unfairly denies my LTD claim can I sue them?

You may be able to sue your long term disability insurance carrier if they act in bad faith and unfairly deny your LTD claim. But if your long term disability insurance plan is an ERISA plan (see: What types of long term disability claims are ERISA?) you will not be able to sue for punitive damages, though you will be able to sue for the long term disability benefits that you are owed along with interest, plus a portion of your long term disability lawyer fees.

However, whether your long term disability benefits are derived from an ERISA or non-ERISA plan, the involvement of a long term disability lawyer on your case can serve to send a message to the insurance company that your LTD claim should receive fair and full consideration. It will simply not be worth it to them to escalate their own costs.

Additional Questions and Answers How much does it cost to hire a long term disability attorney or LTD lawyer ? Is it hard to fight a long term disability company on an LTD claim ? What types of long term disability claims are ERISA? Why you should hire a Long Term Disability Lawyer to fight an LTD denial ?

  

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