ARE CLAIMS FOR LONG TERM DISABILITY LTD BENEFITS UNFAIRLY OR DISPROPORTIONATELY DENIED ?


This is certainly a loaded question. However, a good way to approach the question is to simply consider this fact: unlike social security disability and ssi, long term disability benefits are provided by private ltd carriers. In other words, long term disability benefits are provided by ltd insurance companies. And, as everyone knows, insurance companies are in the business to make profit...lots of profit. Logically, of course, paying out on fewer ltd claims means more profit, while paying out on more long term disability claims means less profit. Are ltd disability claims unfairly denied? Without a doubt, many are. In fact, one of the largest, if not the largest, long term disability insurance carriers was investigated by the Department of Labor and forced to agree to reconsider 200,000 denied ltd claims.

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