Videos

Most (but not all) long-term disability appeals allow up to 180 days to file an appeal. This video really addresses two questions: (1) How long does a long-term disability appeal take? And (2) Why does it take so long to file an LTD appeal?

If your long term disability insurance claim has been denied or if your benefits are terminated, your denial letter may indicate that you have 180 days to file an appeal. This video explains why the LTD insurance company gives you such a long time to file an appeal (and why it often takes much of this time to prepare the appeal).

When your long term disability insurance claim is denied or if your benefits have been cut off, you typically have 180 days to file an appeal. Although our office can prepare an appeal in a matter of days, it more typically takes several months to prepare an effective appeal that has a good chance of winning. Watch this video for a further explanation of why it takes so long to file an LTD appeal.

A typical appeal letter when a claim has been denied or terminated reads something like "I am appealing your denial letter. I don't think you've considered all of the evidence correctly. Please review the file again. I think you'll understand why I should be receiving benefits." Unfortunately, this type of appeal letter is not very effective and is unlikely to get the long term disability insurance company to reverse course and approve an LTD claim.

In this video, disability attorney Nick A. Ortiz discusses the chances of winning an administrative appeal with a disability insurance company.

If your long-term disability claim has been wrongfully denied or if your benefits have been terminated, you may be wondering whether you should file your own appeal or hire an attorney. This video answers the question as to whether you should take the "do-it-yourself" approach and file your own appeal to a denial letter.